Request instant loans without selling your cryptocurrencies.
No credit checks
No origination fee
Tailored to your preferences
Personalised customer support
Operational since 2014
First Spanish Fintech to obtain the MiCA License
Calculate and apply for your loan
Simulate your loan and instantly find out how much collateral you need and how much you will pay.
Apply for your loan in the simplest way
Simulate your loan
Add coins as collateral
Receive the requested amount in your wallet instantly.
We make it safe and simple
Get the credit you want without having to give up your crypto by using them as collateral through an exchange with all European guarantees.
Non-bank loans
We don’t check CIRBE, ASNEF, or RAI, nor do we register in banking databases.
Pre-approved loans
No credit scoring, get your loan exactly when you need it.
Tax optimization
Get liquidity from your cryptocurrencies without the tax burden of selling.
Keep your crypto
Avoid selling your crypto and always keep it at your disposal.
Flexible loans
We adapt to your needs by letting you choose the collateral, loan denomination, and no fixed term.
The best conditions
We strive to offer the most competitive rates and terms with the best support for you.
Discover the benefits of Loan
Global Digital Loans
We democratize loans with digital assets for any amount.
Instant approval
Instant approval thanks to the over-collateralization of transactions.
Immediate automatic deposit
Immediate availability of funds through an automated collateral process.
Fast guaranteed repayment
Quick and instant loan repayment.
Risk monitoring
Continuous risk and balance monitoring through loan health indicators.
Updated financial capacity
Updated indicator of financing capacity.
This is not a conventional loan, but a fast credit tailored to your needs.
If you want more information about Loan for your business, we will get in touch with you.
| Features | Bit2Me Loan | Conventional loan |
|---|---|---|
| Lower interest rates | ||
| No origination fees | ||
| Tax-efficient | ||
| Urgent approval | ||
| No impact on your credit score | ||
| No paperwork |
What can you use your crypto loan for?
Real estate investment
- 20% down payment for purchasing a home.
- Purchasing properties and land.
- Real estate investment via tokenization.
- Financing for property renovations.
Reinvestment in digital assets
- Increase BTC exposure as long-term collateral.
- Diversify your portfolio with new assets, including traditional ones.
Business investment
- Investment to start a business.
- Short-term financing (NFCs).
- Long-term financing (CAPEX).
Multi-purpose investment
- Vehicle purchase.
- Trip financing.
- Higher education financing.
Frequently Asked Questions
Through lending, an individual or a company can obtain a cryptocurrency loan by using their existing digital assets as collateral.
At Bit2Me, we are committed to excellence. That’s why we have developed our Loan solution, enabling both individuals and companies to obtain liquidity from their digital assets easily and quickly through our platform.
To access Loan, you simply need to register with Bit2Me and access it through our app or website.
Users will receive their loan funds in the EURC or USDC stablecoin.
There is no fixed term, but we recommend returning the loan within a maximum of 90 days.
Currently, Loan accepts Bitcoin and Ethereum as collateral with an LTV of 50%.
Yes, you retain ownership of the cryptocurrencies at all times, except in the case of liquidation of the operation. The liquidation of an operation, or 'LTV price execution', will be set by default at 85% of the principal value. This means that when the ratio between the principal and the collateral reaches 85% (principal value 85 over a collateral value of 100), or when the collateral represents 117.65% of the principal loaned.
The liquidation will include a liquidation fee (due to the management and sale of the collateral at the market price at that time): 2% of the outstanding principal with a minimum of €100 in the crypto equivalent deposited as collateral.
Loan to Value (LTV) is the ratio between the loan amount and the collateral value, expressed as a percentage. Example: A $5,000 loan secured by $10,000 worth of cryptocurrencies results in an LTV of 50% (5,000/10,000).
Loan is flexible and adapts to all your needs, allowing you to choose the collateral, the loan denomination, and with no fixed term. Repay it whenever and however you want.
+2 million
Euros transacted in 2022
+700k users
In the Bit2Me suite
+300 currencies
Listed for trading within the platform
+40 currencies
Available in Earn to earn rewards
Sleep easy with Bit2Me
Your money is protected at Bit2Me
Protecting your money through multiple layers of security
Regulated in the European Union
First crypto exchange registered with the Bank of Spain
Telephone support in English
We help you, with multi-channel support in your language.
Free tax report included
Your income tax reports in one click
Highly recognized certifications
ISO 27001, ISO 37001, ISO 22301 and many others
Audits by independent third parties
Financial audit by BDO. Best Compliance Award
Free education included
Educational content available to make informed decisions
Backed by Telefónica and Investcorp
Bit2Me has listed companies as partners.
A multidisciplinary team at your disposal
A decade developing blockchain technology
Company with a partnership in Spain and in accordance with European regulation
With multi-layer security systems and a personalized support service
