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Illustrative Nasdaq-100 index snapshot with top holdings

*Illustration purposes only not real NASDAQ 100 numbers

NASDAQ INDEX LINE OF CREDIT

Open a Nasdaq Investment Line of Credit and build your index position with twice the buying power.

With the Nasdaq I-LOC, Binaxity doubles your investment - so you build exposure to the Nasdaq-100's top companies with 2X buying power, with interest-only payments, no volatility-driven margin calls, and the freedom to redeem anytime.

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  • Exposure to 100 leading companies
  • No volatility-driven margin calls
  • Double your investment, 2X buying power

What is the Nasdaq Investment Line of Credit?

A Nasdaq Investment Line of Credit (Nasdaq I-LOC) gives you a structured way to grow exposure to the Nasdaq-100 - the index tracking 100 of the largest non-financial companies on the Nasdaq, weighted heavily toward the technology and growth names behind much of the market's returns over the last decade. Rather than committing all your cash in one go, you accumulate the position gradually, with matched capital amplifying every contribution.

The way it works is straightforward. Whatever you put in, Binaxity doubles your investment - your contribution plus an equal match from Binaxity - and that combined sum is what goes to work building your Nasdaq exposure. Put in $1,000 and you're working with $2,000 of exposure. The matched half is a loan, and you service it interest-only: month to month there's interest to pay and no principal, with no clock forcing repayment on a set date.

The exposure itself is delivered through QQQx, a tokenized tracker that follows the Invesco QQQ Trust ETF (which in turn tracks the Nasdaq-100). You're getting economic exposure to that index's performance - not individual shares, not voting rights, not a futures contract. It's a way to take a long-term, high-conviction view on the companies building the future, with the structure doing the heavy lifting.

How co-investment works: you contribute $X and Binaxity matches $X, $2X Nasdaq exposure (QQQx) is acquired, held in digital-asset custody, with interest-only payments and the freedom to redeem anytime.
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Rates & terms

  • 6.50%

    Annual Percentage Rate (APR)

  • $10

    Minimum investment

Interest is charged on the borrowed portion only and is variable (see "How your rate works"). One 1% origination fee at opening. No closing fee, no top-up fee, no inactivity fee.

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How your rate works

Interest is calculated on the borrowed half of your position - the capital you contribute yourself is never charged. That rate isn't fixed: it's reviewed each day and reflects a mix of inputs - the asset, your borrower profile, how liquid the market is, how volatile the index has been, and how far QQQx has moved from the reference price set when you drew.

Put simply: the further QQQx sits below that reference price, the higher the 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, doesn't close your position or call in a margin top-up, provided your account is current and in good standing.

Illustrative Rate Schedule

(by how far QQQx sits below your reference price)

Decline from reference priceIllustrative 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 more15.5%

Illustrative only. Actual rates depend on live conditions and product terms.

How the Nasdaq I-LOC differs from margin trading and leveraged ETFs

If you've wanted amplified exposure to the Nasdaq-100 before, your options were usually a margin account or a leveraged ETF - and both carry the one risk a long-term investor least wants: forced selling at the worst possible moment. Margin accounts issue margin calls and liquidate positions when equity drops. Leveraged ETFs reset daily, so over time tracking error and volatility decay can quietly erode returns even when the index ends up where you expected.

The Nasdaq I-LOC is built differently. You get doubled exposure - Binaxity matches your investment for 2X buying power - but there's no margin call triggered by market volatility and no daily-reset decay - the position simply tracks QQQx and stays open until you decide to close it.

Binaxity Nasdaq I-LOC

How exposure is amplified

Binaxity matches your investment (2X)

Margin calls / forced liquidation

None from volatility

Daily-reset decay

None

Payments

Interest-only on borrowed half

Holding horizon

Built for long-term

Exit

Redeem anytime, 12-month term with refinance

Margin account

How exposure is amplified

Borrowed funds against equity

Margin calls / forced liquidation

Yes

Daily-reset decay

None

Payments

Interest on margin

Holding horizon

Risk grows over time

Exit

Subject to maintenance requirements

Leveraged ETF

How exposure is amplified

Daily-rebalanced derivatives

Margin calls / forced liquidation

N/A (but value can decay)

Daily-reset decay

Yes - erodes over time

Payments

Expense ratio

Holding horizon

Designed for short holds

Exit

Sell on market

How co-investment works - four steps

Simple on your side, structured on ours - from approval to a live Nasdaq position in four moves.

01

Apply and get your credit limit

Share a few basic personal details and you'll be assigned a personalized credit limit - no full identity verification needed to get started (that's handled later, at redemption). There's no pull on your credit history either; what's weighed is your capacity to co-invest, not your past borrowing. Most approvals come back quickly.

02

Draw funds and co-invest at your own pace

Add capital in stablecoins whenever the timing works for you. Binaxity doubles each contribution - your $500 plus Binaxity's $500 puts $1,000 of Nasdaq exposure into the position. The rhythm is yours.

03

Exposure is acquired and secured

The combined funds acquire QQQx - usually within around 12 hours of confirmed funding, subject to market hours and liquidity (weekends and market holidays may differ). The QQQx is held in Binaxity's digital-asset custody; the securities backing it sit with the xStocks / Backed provider structure. From your dashboard you can track each piece in USD - what you put in, the matched loan, the QQQx units you now hold, and where the position stands.

04

Pay monthly interest, hold for the long term

The position is yours to keep - your running obligation is interest on the borrowed portion, nothing else. There's no repayment schedule counting down, no balloon at the end, no mechanism nudging you to sell before you're ready. (Interest is variable - see "How your rate works" below.)

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What a Nasdaq position looks like in practice

A round-number walk-through to show the shape of a position. Illustrative only - QQQx trades continuously, so treat these as a sketch, not a live quote.

Position overview

Your contribution $1,000
Matched Binaxity loan 1:1 $1,000
Exposure acquired ~2.74 QQQx units
Illustrative QQQx price $730/unit
Position value at acquisition $2,000

Interest cost

Interest applies to $1,000 matched loan portion only
Interest type Simple, non-compounding
Annual interest rate $65/year at a 6.5% rate
Monthly interest ~ $5.42/month
Principal $1,000 remains fixed until close
Risk note

Bear in mind the rate floats: if QQQx slides well under your reference price, it can step up (see "How your rate works").

Illustrative example only

Two scenarios over 12 months

Scenario A - Index rises
QQQx price $876/unit (+20%)
Current position value $2,400
Settlement at closure $1,000 loan + interest
Net proceeds (in stablecoins) ~$1,335
Scenario B - Index falls
QQQx price $620/unit (-15%)
Current position value $1,700
Settlement at closure $1,000 loan + interest
Net proceeds (in stablecoins) ~$635

Callout

Notice that the down case never gets force-closed - a routine slide in the index doesn't end the position; the timing of the exit stays with you. What a sustained decline can do is lift your variable rate, not trigger a sale.

YMYL note

Numbers are hypothetical and for illustration only. Not a guarantee of returns, not a commitment to lend. Index-linked values move, and you may lose part or all of your contribution.

Why investors choose the Nasdaq I-LOC with Binaxity

  • Double the buying power

    Binaxity doubles your investment, so the position you build is twice the size your own cash would reach - and you don't have to liquidate anything else to get there.

  • Exposure to 100 leading companies

    QQQx tracks the Nasdaq-100 through the Invesco QQQ Trust ETF - broad exposure to the technology and growth names driving the index, in a single position.

  • No volatility-driven margin calls

    Unlike a margin account, there are no maintenance requirements and no forced liquidation when the market dips. A falling index lowers your position's value but doesn't close it.

Binaxity dashboard showing a Nasdaq index (QQQx) position

  • No daily-reset decay

    Unlike a leveraged ETF, your exposure isn't rebalanced daily - so it doesn't suffer the volatility decay that erodes leveraged products over longer holds. This is built to hold.

  • Interest-only, nothing more

    For as long as the position runs, the only thing due is interest on the borrowed half. No principal schedule chipping away each month, no lump sum waiting at the end.

  • Tokenized exposure in digital-asset custody

    Your position sits as QQQx tokens under Binaxity's digital-asset custody, protected by MPC-based controls and viewable in your dashboard around the clock. The securities behind the token are held within the xStocks / Backed provider framework.

  • A potentially tax-smart approach

    Because you're building through a credit line instead of cashing out other assets to buy index exposure, you may sidestep certain taxable events along the way. It depends on your situation - a qualified tax advisor can tell you how it applies.

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Security & custody

Your Nasdaq position lives on-chain as QQQx, the tokenized tracker that follows the Invesco QQQ Trust ETF. Two distinct layers sit behind it:

The token layer (Binaxity)

Your QQQx tokens are kept in Binaxity's digital-asset custody, secured with multi-party computation (MPC): signing authority is divided across parties, so no one party can move funds alone.

Whatever you hold shows up in your dashboard in real time.

The securities layer (provider)

Behind the token, the actual securities are held by the xStocks / Backed provider framework and its third-party custodians, not by Binaxity directly.

Anything to do with the underlying - segregation, custody, proof-of-holdings, audits, insurance - sits at the provider level and follows Backed / xStocks documentation.

Every transaction passes standard KYC/AML and on-chain monitoring, and QQQx is sourced through approved liquidity channels.

  • Digital-asset custody with MPC controls
  • QQQx token balances visible 24/7
  • Underlying securities via xStocks / Backed structure
  • Provider documentation & attestation
  • KYC/AML compliance
  • Acquisition via approved venues
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Who can open a Nasdaq Investment Line of Credit

The Nasdaq I-LOC is available in select jurisdictions only. A number of countries are restricted for regulatory, legal, or compliance reasons, and the list can change - check eligibility before applying.

Requirements

  • Basic personal information to open (full KYC verification is completed later, at redemption)
  • Eligible jurisdiction
  • Co-investment in stablecoins (USDC / USDT)
  • 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.

Check full eligibility

Frequently asked questions

  • A Nasdaq I-LOC is a credit facility designed to help you build Nasdaq-100 exposure over time through a 1:1 matched structure. You contribute capital, Binaxity matches it with credit, and the combined amount is used to acquire tokenized Nasdaq-100 exposure for your position.

    Unlike a traditional loan where borrowed funds may be used for spending, Binaxity's Nasdaq I-LOC is designed for accumulation. It helps you build long-term market exposure using disciplined, asset-building credit.

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Start building your Nasdaq position today

Most ways to amplify index exposure come with a catch - margin calls, daily decay, forced exits. The Nasdaq I-LOC is built for the long-term investor: doubled exposure, structured to hold.

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