Bitcoin line of credit
Crypto credit line to buy BTC without liquidation
Get a Bitcoin line of credit or crypto line of credit to buy BTC with 1:1 co-investment - interest-only payments, no margin calls, redeem anytime.
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Structured accumulation
- No existing BTC required
- No LTV thresholds & margin calls
- Structured accumulation
Make every dollar work harder
With co-investment, your contribution is multiplied.
Maximize every dollar using leveraged investing. For instance, you put in $100, we lend $100, and together $200 is used to purchase BTC. That’s real skin in the game. A structure designed to keep you disciplined, focused, and steadily growing your assets instead of just taking on debt. Learn more →
Bitcoin line of credit rates & terms
- 6.50%
Annual Percentage Rate (APR)
Starting rate (adjustable based on market conditions) - $10
Minimum investment
How your rate works
Interest applies to the borrowed half of your position only - the capital you contribute yourself is never charged. The rate is variable, reviewed daily, and set from several factors: the asset type, your borrower profile, market liquidity, Bitcoin's volatility, and the gap between BTC's current price and the reference price set when you drew.
In plain terms: the further BTC sits below your reference price, the higher the applicable rate can climb, since the position carries more risk. But the rate moving up is the whole of it - a drop in price, by itself, never triggers an automatic sale or margin call, as long as your account stays in good standing and interest payments are current.
Illustrative Rate Schedule
(by how far BTC sits below your reference price)
| Decline from reference price | Illustrative rate (per annum) |
|---|---|
| Less than 25% | 6.5% |
| 25% to <40% | 7.5% |
| 40% to <50% | 8.5% |
| 50% to <60% | 9.5% |
| 60% to <70% | 10.5% |
| 70% to <80% | 12.5% |
| 80% or more | 15.5% |
Illustrative only. Actual rates depend on live conditions and product terms.
What is a Bitcoin line of credit?
Apply nowI-LOC Framework
A Bitcoin line of credit is a credit facility designed specifically for accumulating Bitcoin - not for accessing liquidity from assets you already own.
Where traditional Bitcoin-backed loans require you to pledge existing BTC as collateral, this approach works in reverse: you bring capital, and it gets matched to purchase Bitcoin on your behalf.
Capital Model
A Binaxity's investment line of credit for Bitcoin is built on a 1:1 co-investment model - for every dollar you contribute, Binaxity lends one dollar.
Together, $2,000 of Bitcoin is purchased and held with qualified custodians. Each draw creates a separate interest-only loan on the borrowed portion.
No principal repayment is required during your term, and you can draw from your credit line on your own schedule - contributing when it suits you, pausing when it doesn't.
Strategic Use Case
This is a crypto credit line for people who believe in Bitcoin's long-term trajectory and want a structured, protected way to accumulate more of it.
Borrowing through a credit line rather than selling existing assets may also help you avoid taxable events associated with liquidating holdings - though individual tax circumstances vary, and we always recommend consulting a qualified tax advisor.
How Binaxity Bitcoin line of credit differs from a traditional Bitcoin loan
Traditional Bitcoin-backed loans are built for holders - people who already own BTC and want to unlock liquidity without selling. The risk is real: if prices drop and the LTV threshold is breached, your Bitcoin gets liquidated automatically.
For long-term investors, forced exits at the wrong moment are one of the biggest compounding killers. Binaxity takes a fundamentally different approach - a matched loan structured for accumulation, not liquidation.
Binaxity I-LOCBTC requirements
LTV requirements
Liquidation risk
Payment type
Loan term
How Bitcoin line of credit works
- 01
Apply and get your credit limit
Complete KYC verification and receive a personalized credit limit. No credit check - approval is based on your co-investment capacity.
- 02
Draw funds and co-invest on your schedule
Each draw creates a 1:1 matched loan - contribute $500, Binaxity lends $500, and $1,000 of Bitcoin is purchased for your vault.
- 03
Bitcoin is purchased and secured within hours
Your combined funds are converted into Bitcoin within hours and held with qualified custodians via Fireblocks-powered infrastructure.
- 04
Pay simple monthly interest, build long-term
Interest-only payments on the borrowed portion of each matched loan. No amortization, no balloon payments, no forced repayment schedule.
Why choose Binaxity?
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No existing BTC required
A Bitcoin line of credit is a credit facility designed specifically for accumulating Bitcoin - not for accessing liquidity from assets you already own.
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No margin calls, no forced liquidation
Forced exits are the number one compounding killer for long-term Bitcoin investors. Binaxity eliminates this risk entirely - no LTV thresholds, no margin calls, no automatic liquidation regardless of how far prices drop.
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Interest-only payments, no principal required
Pay interest only on the borrowed portion - no principal repayment required during your term. Your only obligation while your I-LOC is active is a monthly interest payment.
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Structured accumulation on your terms
Draw from your BTC line of credit on your own schedule - contribute regularly, pause when needed, increase your position as your confidence grows. This is a loan to buy Bitcoin designed for disciplined, long-term accumulation.
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Institutional-grade security
Your Bitcoin is held in a bankruptcy-remote SPV with qualified custodians, secured via Fireblocks MPC wallet infrastructure and regulated broker-dealer partnerships.
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Tax-efficient approach to Bitcoin accumulation
Borrowing to accumulate Bitcoin through a crypto credit line may help you defer taxable events associated with selling existing digital assets. Consult a qualified tax advisor for guidance specific to your situation.
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Bitcoin line of credit security & custody
Every Bitcoin purchased through your I-LOC is held in a bankruptcy-remote Special Purpose Vehicle (SPV) - a legal structure that separates your assets from Binaxity's balance sheet. Binaxity partners with regulated broker-dealers to acquire assets and adheres to industry-standard KYC, AML, and compliance procedures at every step.
Wallet security runs on Fireblocks MPC (Multi-Party Computation) technology - key material is split into independent fragments so no single party, including Binaxity, holds complete signing authority. All incoming payments pass through KYT (Know Your Transaction) blockchain analytics, monitoring source and destination of funds and screening for sanctions risk before any transaction is processed.
- Fireblocks MPC wallet infrastructure
- Qualified custodians
- Bankruptcy-remote SPV structure
- Regulated broker-dealer partnerships
- No rehypothecation - your BTC is never lent to third parties
- KYT transaction monitoring on every payment
- KYC and AML compliance procedures
- Full dashboard visibility 24/7
- Wallet-to-wallet payments via USDC/USDT (ERC-20)
Bitcoin line of credit eligibility - who can apply
Binaxity's Bitcoin line of credit is available in select jurisdictions only. A significant number of countries are currently restricted due to regulatory, legal, or compliance considerations. This list is subject to change - check eligibility before applying.
Requirements
- Meet KYC requirements including valid government-issued ID and identity verification
- Located in an eligible jurisdiction
- Co-investment in USDC or USDT (ERC-20)
- Minimum investment: $10
Key restricted jurisdictions include:
- United States of America
- Canada
- People's Republic of China
- Cayman Islands
- Russia, Ukraine, Iran, North Korea, and many others
The full restricted jurisdictions list is extensive. Check the complete list before applying.
Investment line of credit - frequently asked questions
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An Investment Line of Credit, or I-LOC, is a credit facility designed to help you build investment exposure over time. With Binaxity's I-LOC, you contribute capital, Binaxity matches it with credit on a 1:1 basis, and the combined amount is used to acquire your selected investment asset.
Unlike a traditional loan where borrowed funds may be used for spending, Binaxity's I-LOC is structured to help you build long-term asset exposure through disciplined, asset-building credit.
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You start by applying through Binaxity's onboarding flow. After providing us with your location and name, Binaxity reviews your application and assigns an approved credit limit, subject to signing an agreement when taking out a loan.
Once approved, you can choose when to draw from your credit line, how much to draw, and how often to use it, subject to your available limit and product availability.
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No. Binaxity's I-LOC is not designed around borrowing against assets you already own.
Instead, you contribute stablecoin funding such as USDC or USDT, Binaxity matches your contribution with credit, and the combined amount is used to acquire the selected investment asset for your vault.
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Minimum and maximum investment amounts are shown during onboarding and reflected in your I-LOC agreement.
You can begin with a smaller amount and build your Bitcoin position over time, rather than needing a large upfront investment.
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Price volatility does not automatically trigger a margin call or forced liquidation under Binaxity's I-LOC.
Your monthly interest obligation remains based on your outstanding loan principal. As long as your payments remain current and you comply with your agreement, your position is not automatically sold just because the market price drops.
That said, investment assets can fluctuate in value, and your position can go down. You should only participate if you understand the risks.
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Each drawdown is structured as its own interest-only loan. This means you make monthly interest payments on the outstanding loan principal, while principal repayment is not required during the term unless you redeem or otherwise settle the loan.
If you have multiple active drawdowns, Binaxity may consolidate your monthly payment view to make repayment easier to manage.
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Yes. You may request to redeem your investment position at any time, subject to the terms of your loan agreement and completion of Binaxity's processing checks.
When you redeem, the proceeds are first used to repay any outstanding loan balance. Any remaining net proceeds are paid out to you.
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Binaxity's I-LOC is designed to reduce some of the common risks associated with traditional margin loans, especially automatic liquidation from market volatility.
However, it is not risk-free. Asset prices can fall, interest payments are required, and your final outcome depends on market performance, fees, execution, and your ability to stay current on payments.
Binaxity uses secure custody infrastructure, policy-based controls, and transaction monitoring to support a safer product experience.
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Assets acquired through your I-LOC are held through Binaxity's secure custody and asset-management infrastructure.
Depending on the asset type, Binaxity may use secure wallet infrastructure, custody arrangements, policy-based access controls, multi-approval workflows, transaction monitoring, and other asset-appropriate safeguards.
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The funds from a Binaxity I-LOC drawdown are used to acquire the selected investment asset. This product is designed for asset accumulation, not general-purpose spending.
Your contribution and Binaxity's matched credit are combined and used to purchase the asset, which then appears in your Binaxity vault dashboard after processing.
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Yes. Binaxity may charge:
- Interest: charged on the outstanding loan principal
- Execution spread: Binaxity may earn revenue through asset execution and order routing
There is no activation fee, no redemption fee, and no fee for unused credit. You only pay when you draw from your approved credit line.
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Binaxity reviews your application before approving a credit line. This may include risk checks and other eligibility criteria.
The exact review process may vary depending on your location, product availability, and applicable compliance requirements.
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Eligibility depends on your jurisdiction and Binaxity's onboarding requirements.
Binaxity's I-LOC is designed for financially motivated users who want to build long-term investment exposure, including users who may not have enough upfront capital to acquire their desired position all at once.
The Compound View
Insights on credit, investing, and modern wealth-building. Demystifying how structured borrowing and smart portfolio strategies can work for you.
Start building your Bitcoin position today
Most credit products are built for spending - Binaxity's Bitcoin line of credit is built for accumulation, structured and protected for long-term Bitcoin believers.
Apply now