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Don't sell your bitcoin.
Get a bitcoin-backed loan.
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Featured on
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Bitcoin-Backed Loans, Done Right.
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Built by Bitcoiners who needed this to exist
What started as a passion project with a few close colleagues has grown to a global company with 50+ employees, offering a full suite of lending, savings and trading products in over 120 countries. Ledn strives to improve the everyday lives of Bitcoin holders today, while building generational wealth forthe future. Through its products & services, Ledn makes a difference in the lives and futures of its clients - in real terms.
How a Bitcoin-backed loan works
Submit your loan application
Deposit your BTC
Receive your funds
Fund your account
Place your order
Manage your loan
Bitcoin loan calculator
Bitcoin-backed loans are denominated in US dollars. However, they can be funded in your preferred currency.
The information shown on the calculator is hypothetical and for illustrative purposes only and does not represent a commitment to lend. Ledn Loans availability may vary based on jurisdiction. Read our Risk Disclosure Statement and Disclaimers for more information.
Bitcoin. Gold. The stablecoins the world runs on.
Product availability varies by jurisdiction
Your hardest assets
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10 integrated pairs
More stablecoin rails
Real reasons Bitcoiners take a loan
Maintain your Bitcoin position while
accessing cash
The most common reason Ledn clients borrow: liquidity for life's
opportunities without reducing long-term Bitcoin exposure. Borrow USD
against your BTC — keep your stack intact, stay positioned for the
future.
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Buy real estate
Fund a business
Cover life's big expenses
Seize an opportunity fast
Control Your Loan, Control Your Bitcoin
With Custodied loans, collateral is not lent out to generate interest.
No monthly payments. No payments until you close your loan.
Repay whenever you want, without penalty.
Loan terms are 12 months. Renew as long as your LTV is healthy.
Top up, repay or use auto-top up to manage your LTV when BTC price is down.
Redeem collateral when your LTV is healthy.
Reported on by the names that matter
access to credit secured
by Bitcoin.
When you have a question, a person answers it
Featured articles
Your Bitcoin Loan questions answered
You’ll need at least $1,000 in Bitcoin collateral to qualify.
Ledn's bitcoin-backed loan rates start at 11.9 APR, with lower tiered rates available automatically as your loan size grows — down to 9.25% APR for loans of $2,000,000 or more. Your rate is displayed upfront before you apply, no negotiations required.
Absolutely. Repay anytime before the 12-month term ends with no penalties.
There’s no repayment schedule. You repay your loan when it reaches the end of its term, or earlier if you choose.
50%
The collateral you post to secure your loan may only be re-posted by Ledn to a trusted institutional USD funding partner, such as a bank, credit fund or other corporate funding partner.
Collateral is held securely in segregated on-chain addresses that are verifiable by Ledn, ensuring that the collateral is legally ring-fenced from a funding partner’s assets and protected even in the unlikely bankruptcy of our funding partner.
Collateral is held securely in custody throughout the loan. Neither Ledn nor the institutional partner has the right to lend out your collateral to generate interest.
Loans are funded in USD, USDC, or your local currency, but are denominated in USD.
Log into ledn.io, select your type of loan from the top menu, then click "Apply for a loan".
Minutes to apply. Once approved, funding can happen same-day.
We’ll notify you well before any risks. You can add collateral or repay — you stay in control.
At Ledn, we are constantly innovating and we want to ensure that our infrastructure continues to provide the most stable and diverse sources of liquidity for our clients. Rather than just rely on our already strong capital base to fund our investments, we chose to leverage the Asset-Backed Securities (ABS) market.
This new connection between Bitcoin holders and institutional credit markets will mean that Ledn remains the most reliable partner for your liquidity needs, backed by deep institutional capital that is independent of the volatility in the broader digital asset markets.
Nope. Your bitcoin is your credit.
You can see which products are available to you at https://help.ledn.io/hc/en-us/p/eligibility.
Ready to Unlock Your Bitcoin’s Potential?
This content is being provided to you for informational purposes only and does not constitute legal, financial, investment, or tax advice nor a recommendation by Ledn to buy, sell, or hold any digital asset or product referenced in the content. Terms, conditions, and restrictions depending on your jurisdiction of residence apply to each product you choose to take out. For more information, please visit ledn.io/legal/disclaimers
*Once collateral is received
