The Fees, Plainly
Bitlendex keeps fees minimal and transparent. Here's everything you might pay on a loan:
- Origination fee — 2%: a one-time fee applied to every loan.
- Network fees: standard Bitcoin transaction fees when you deposit or withdraw collateral, plus a small bridge/network fee on the USDC payout.
- Conversion (bank payouts only): when you receive fiat, a small spread applies to convert USDC to USD through our banking partner.
No surprise fees
There are no prepayment penalties, no monthly maintenance fees, and no account fees. You'll see your costs before you confirm a loan.
Why You Receive Slightly Less Than You Borrow
The fees above come out of the loan, so the amount that reaches you is a little lower than the headline figure. For a $40,000 loan, the 2% origination fee is $800, plus a small network fee — so you'd receive just under $39,200.
What you receive
Estimate Before You Commit
Use the calculator to preview your loan, then review the full summary on the confirmation screen before anything is finalized.
Liquidation Price
BTC price at which your loan may be liquidated
Annual Percentage Rate
Variable rate based on market conditions
Estimated Interest
Based on current loan amount and APR
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