Your Gateway to
Bitcoin Liquidity.

You can borrow from $500 up to $500,000. For larger loan amounts, please reach out to support@bitlendex.com.

Bitcoin deposits usually confirm in 10–30 minutes. USDC reaches your wallet about 10 minutes after your Bitcoin deposit confirms. USD reaches your bank the same day by instant transfer when your bank supports it, or in 1–2 business days by ACH.

No. Your Bitcoin is your credit. We don't check credit scores, employment history, or financial statements. However, for larger loan amounts, enhanced due diligence might require more information from you.

We're the only platform offering native Bitcoin lending with both USDC and fiat withdrawal options. You deposit real BTC on the Bitcoin network. It is not wrapped into WBTC or moved to Ethereum: it stays on the Bitcoin blockchain, held by the NEAR Intents bridge, and the lending contract tracks it 1:1 as your collateral. Most competitors either wrap your Bitcoin into WBTC or force you into stablecoin-only payouts.

Yes. A quick, one-time identity check (KYC) is required for every loan whether you receive USDC to a crypto wallet or fiat USD to your bank account. You complete it once during your first application, and we never check your credit score.

You deposit real BTC on the Bitcoin network. It is not wrapped into WBTC or moved to Ethereum: it stays on the Bitcoin blockchain, held by the NEAR Intents bridge, and the lending contract tracks it 1:1 as your collateral. When your deposit confirms, a 1:1 BTC token on the NEAR network is credited to your account. When you confirm your loan, that token is locked in the lending contract as the record of your collateral. When you repay, the lock is released and the bridge sends your BTC to a Bitcoin address you choose.

Both. When you set your loan terms, choose USDC to a crypto wallet or US dollars to your bank account. USDC reaches your wallet about 10 minutes after your Bitcoin deposit confirms. USD reaches your bank the same day by instant transfer when your bank supports it, or in 1–2 business days by ACH.

We monitor your collateral ratio in real time. When your loan-to-value (LTV) crosses your alert threshold (60% by default, adjustable in your notification settings), we email you a margin-call alert — well before the 83.33% liquidation threshold. You can add more Bitcoin collateral or make a partial repayment to improve your LTV. Liquidation at the threshold is automatic, so act on alerts early.

Every loan has a fixed 12-month term with no monthly payments. You can repay any amount at any time before the term ends, with no prepayment penalty. Interest accrues on your outstanding balance at a variable rate. The full balance (your starting balance plus accrued interest) is due by the end of the term. Your Bitcoin stays locked as collateral until you repay the loan in full. If your LTV reaches the liquidation threshold during the loan, part of it can be liquidated.

You can make partial repayments anytime, and interest is calculated only on your outstanding balance. Bitlendex supports one active loan per account — to borrow more, repay your current loan in full and take out a new one, or contact us about a custom facility.

If your LTV reaches 83.33% and you don't add collateral or repay, the protocol automatically liquidates part of your collateral — selling just enough Bitcoin (at a small discount, the liquidation penalty) to bring the position back to a healthy collateral ratio of about 130% (≈77% LTV). Your remaining collateral stays in your position and your loan continues at the reduced balance. The process is automated and permissionless — no human decision-making involved.

The NEAR Intents bridge holds the BTC you deposit. Bitlendex never holds it. After your deposit confirms, the bridge moves the BTC from your deposit address to its shared Bitcoin treasury. The lending contract holds a 1:1 BTC token as the record of your collateral. The smart contracts are immutable (no admin keys) and have been audited by Certora, Halborn, Thesis Defense, and Guvenkaya, including formal verification. Visit our Trust Center page for more info

Your access is powered by Privy's self-custodial technology, ensuring your digital signature remains private and under your exclusive control. Even if Bitlendex's systems were compromised, they could not be used to move your collateral.

Yes, on public block explorers. On a Bitcoin block explorer such as mempool.space, you can see your deposit arrive at your deposit address and then move to the bridge's treasury. On NearBlocks, the NEAR block explorer, the Borrow Executed transaction on your Activity page shows the 1:1 BTC token moving into the lending contract as your collateral. After the bridge moves your BTC, your deposit address shows a zero balance. This is expected.

Our smart contracts are immutable with no admin keys — meaning even if Bitlendex is compromised, hacked, or ceases operations, we cannot alter loan terms or access user funds. The NEAR Intents bridge holds your BTC, and the lending contract holds the record of your collateral, not Bitlendex the company. In a shutdown scenario, you can interact directly with the smart contracts to close your loan and retrieve your collateral.

The interest rate is variable: it moves with market conditions and pool utilization. The APR is your yearly cost of borrowing over the 12-month term: the interest plus the one-time 2% origination fee. The fee is added to your loan balance, and interest accrues on that whole balance. Network fees and the conversion spread on bank payouts are separate and not part of the APR. The APR on our homepage is live. The calculator and your loan application show the same APR, interest rate, and fee, and you see them before you confirm your loan.

Besides interest, there is the 2% origination fee: it is added to your loan balance rather than taken from your payout, and it is included in the APR. A small network fee is deducted from your payout, and standard Bitcoin network fees apply when you deposit or withdraw collateral. For bank payouts, a small spread applies when USDC is converted to US dollars. There are no prepayment penalties, no monthly maintenance fees, and no account fees.

Anything. Real estate down payments, business capital, emergency expenses, buying more Bitcoin, paying off high-interest debt. USDC can be spent anywhere stablecoins are accepted or converted to fiat.

Bitlendex does not give tax advice. Tax treatment depends on your situation and jurisdiction, so please consult a qualified tax professional.