Cryptocurrency-backed loans
Get the funds you need, keep the digital assets you love.
Bitcoin loans
Bitcoin-backed Loans
An efficient and accessible method to obtain dollars without the need to liquidate your BTC. This approach does not trigger a taxable event, allowing you to retain your bitcoin. After the loan is settled, your bitcoin will be returned to you.
Annual interest rate: Starting at 10.4%*
Admin fee: 2%
APR: Starting at 12.4%
Cryptocurrency Loans
A comprehensive service that integrates a Advisa Bitcoin-backed loan with the option to purchase BTC, enabling users to enhance their Bitcoin holdings. This offers a fast and straightforward method to potentially double your BTC balance.
Annual interest rate: Starting at 10.4%*
Admin fee: 2%
APR: Starting at 12.4%
Collateral management
Standard
Get the lowest interest rate available with Advisa.
Advisa is entitled to utilize collateral for the purpose of generating interest.
Get a lower interest rate for your loan.
Details regarding the utilization of collateral can consistently be found in our monthly Open Book Report.
Custodied
Loan collateral does not carry credit risk. Consequently, the annual percentage rates (APRs) are marginally elevated compared to standard loans.
Collateral is securely maintained by accredited custodians and financial institutions.
Collateral is not lent out to generate interest.
Loan collateral does not carry the credit risk linked to the rehypothecation of digital assets.
The Advisa difference
- Access funds easily
Advisa Loans provide a simple and user-friendly option. To be eligible, you are required to present a minimum collateral of $1,000 USD in Bitcoin, and you will receive automatic approval without the need for a further credit assessment.
- Fast & flexible
Our loans are generally disbursed within 24 hours following approval. Borrowers have the flexibility to repay at any time without incurring penalties, and there are no mandatory monthly payments.
- Verifiable
We are the pioneering digital asset lending firm within the cryptocurrency sector to successfully conduct a Proof-of-Reserves Attestation. Clients holding a balance on the Advisa platform during the execution of this process can utilize a distinct hashed ID to verify that their balance is included in the regular reports.
Reliable Confidence: The Measures Advisa Takes to Safeguard On-Platform Assets
At Advisa, the protection of assets within our platform is our foremost concern. We integrate top-tier security measures, maintain transparent operations, and leverage our established history to provide you with confidence and reassurance.
- Industry-leading security
Cold storage: The assets within transaction accounts are mainly stored in cold storage, which minimizes the risk of cyber threats.
SOC 2 Type 2 compliance: Our operational practices adhere to stringent third-party auditing standards, guaranteeing top-tier security measures.
- Transparent risk management
Proof-of-reserves attestations: We are pioneers in the industry, having conducted a proof-of-reserves attestation with a certified public accountant. We offer bi-annual confirmations of our asset balances.
Open Book Reports: Released on a monthly basis, these reports provide comprehensive insights into the management of client assets, the strategies employed for yield generation, and our strong risk management practices.
- Conservative lending practices
Meticulously chosen borrowers: We extend loans exclusively to institutional market makers who demonstrate established creditworthiness and maintain transparent financial records.
Premium assets: Our lending operations are supported by highly liquid and dependable digital assets, such as BTC, ETH, USDC, and USDT.
- Proven resilience
Overcame industry obstacles: Following the 2022 crypto credit crisis, Advisa has shown remarkable resilience by implementing stringent risk management practices and fostering innovation.