Bitcoin-backed loans: Quick cash without selling your BTC
Life Happens, Keep Your Bitcoin.
Sometimes life takes an unexpected turn—an unplanned medical expense, a chance to invest in a business opportunity, or the need for a down payment on a new home. Don’t sell your Bitcoin to make it work. Borrow against it with Xapo Bank and get instant cash while your BTC continues to grow for the future.
Keep your Bitcoin and
get the cash you need with Bitcoin-backed loans
Borrow up to USD 1 million instantly with zero fees.
Your cash arrives in under a minute, ready to use through debit cards, bank, or crypto transfers. Choose from 30, 90, 180 or 365-day terms with low-interest APR, no minimum instalments, and repay anytime in USD or BTC.
*Subject to eligibility and availability.
*Please note that Xapo Bank members can only have one active loan at a time.
How much can I borrow with my Bitcoin?
The amount may vary based on your specific situation. Please check the app for more details or reach out to your Account Manager. Subject to eligibility and availability. Loans are provided by Xapo Credit Limited, a licensed moneylender under the Financial Services (Moneylending) Act 19.

Instead of selling, use your BTC as collateral to access funds quickly. While traditional currency depreciates, Bitcoin is designed to appreciate. Keep your Bitcoin and borrow against it for true financial flexibility.
Borrowing with Bitcoin
vs. Selling Bitcoin
Borrow with Bitcoin
as collateral
Sell Bitcoin
Retain full ownership of Bitcoin, HODL
Get liquidity AND keep the assets
Likely no taxable events generated *
Keep Bitcoin and benefit from potential future asset appreciation
Zero Fees
Protected against selling low, avoid bad market timing
Maintain a diversified portfolio with Bitcoin exposure
*This is not tax advice and your tax liability could vary depending on where you live and your personal circumstances.


USD 1,000/YEAR
Experience premium banking designed for your financial future. For USD 1,000/year, you’ll unlock world-class services that provide top-tier security, personalized support, and seamless transactions wherever you are.
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