Get up to 50% of your Bitcoin’s value in dollars.

You can receive your loan in dollars or stablecoins.

The loan term is 1 year, renewable annually. The full amount borrowed is repaid at the end of the period.

10% interest, payable upfront or with flexible monthly, quarterly, or end-of-term payments.

No penalties for full or partial early repayment.

Apply for your dollar loan

Monto de préstamo a solicitar

Garantía requerida

La garantía es 2 a 1. Ejemplo: si tu préstamo es de $1,000 USD, la garantía en BTC debe ser el equivalente a $2,000 USD.

Periodicidad pago de intereses

Monto solicitado:$0.00

Garantía BTC:0.000000 BTC

Garantía USD:$0.00

Descuento por emisión*:$0.00

Tasa nominal anual:10%

Tasa efectiva anual:0%

Periodicidad interés:Mensual

Cuota mensual:$0.00

Monto neto a recibir:$0.00

El desembolso de tu préstamo puede ser en dólares o stablecoins.

La garantía es 2 a 1. Ejemplo: si tu préstamo es de $1,000 USD, la garantía en BTC debe ser el equivalente a $2,000 USD.

Al tener tus BTC en ikigii, tu préstamo se desembolsa al momento⚡.

What you need to know

What are Bitcoin-backed loans?

Bitcoin-backed loans are dollar or stablecoin loans you can obtain by using your Bitcoin (BTC) as collateral. It’s a secure way to access liquidity without selling your crypto assets, preserving their upside potential. The entire process is backed by Towerbank.

Which cryptocurrencies can I use as collateral, and in what currency will I receive the loan?

Currently, only Bitcoin (BTC) is accepted as collateral. You can receive your loan in U.S. dollars (USD) or in stablecoins such as USDT or USDC.

How quickly is the loan approved and paid out?

Your loan is approved and paid out instantly—you just need to have the BTC you’ll use as collateral available in ikigii.

Why should I consider this type of loan?

It lets you access immediate liquidity without selling your Bitcoin investment, which can be advantageous if you expect your assets to appreciate over time.

What is the minimum and maximum loan amount?

The minimum is $1,000 USD and the maximum is $250,000 USD. If you need a larger amount, please contact us at soporte@ikigii.com.

What does “Loan-to-Value” (LTV) mean, and how does it affect my loan?

LTV is the ratio between the amount you borrow and the value of your collateral. In ikigii, you can borrow up to 50% of your BTC’s value.

Can I prepay the loan?

Yes—you can pay off your loan at any time before maturity without any prepayment penalty.

What happens if the value of my BTC increases during the loan?

If your BTC’s price increases, your LTV automatically improves, reducing your liquidation risk. You can even use that extra collateral margin to request a top-up loan or renew under better terms.

Tu préstamo en dólares con garantía de BTC

al instante

Apply for your dollar loan

Expert Support

Make the most of your Bitcoin without selling it

What you need to know