Your Bitcoin deserves a higher standard.
Your hard assets.
More possibilities.
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Bitcoin-backed
loans
Access liquidity against your Bitcoin while retaining your exposure. Understand the terms, costs and collateral requirements.
B2X
Use a Bitcoin-backed loan to buy more Bitcoin. Increased exposure also increases your risk.
Trade
Move between Bitcoin, tokenised gold and supported stablecoins. Review the quoted price before confirming.
Growth Accounts
Earn up to 6% APY on your stablecoins with full visibility on how we generate interest.
Bitcoin loan calculator
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.
What’s your next move?
Build your Bitcoin position.
B2X uses a Bitcoin-backed loan to buy more Bitcoin. Understand the borrowing costs, LTV thresholds and liquidation risk before increasing your exposure.
Buy a property.
Explore using Bitcoin-backed borrowing towards a property purchase. Understand the costs, collateral requirements and repayment plan before committing.
Fund your business.
Explore borrowing against your Bitcoin to fund business needs. Assess the cost of capital and how you’ll manage collateral and repayment.
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Built by Bitcoiners who saw what was missing.
Ledn began with a practical conviction: people should be able to use their Bitcoin without selling it. That belief still shapes the platform today—from access to liquidity to a broader home for hard-asset wealth. Adam and Mauricio share the experience behind the company, and the standards that guide it.
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Personal support for your next move.
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or apply online.
Make your next move
an informed one.
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.
No monthly payments. From January 1, 2027, accrued interest and applicable fees must be paid in full at maturity or when you refinance before maturity. This applies to existing loans. Eligible remaining principal can roll into a new term once accrued fees are settled and LTV is below 65%.
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.