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Loans · Crypto-backed credit

Borrow against your crypto. Keep your upside.

Access USD liquidity without selling — no taxable event, open terms, and competitive rates.

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Loans are overcollateralized. Collateral may be liquidated if its value falls below required thresholds. Generally may not be a taxable sale; consult tax adviser.

Your lineIllustrative
$420,000
available against $1,000,000 in BTC collateral
Collateral15.0 BTC
Taxable eventNone
Try the loan calculator
BTC · ETHCollateral
4.44% APY1Updated Jul 28, 2026
Up to ~50%Loan-to-value
Open-termNo fixed maturity
$0Prepayment fee
How it works

Liquidity, without letting go.

From collateral to cash — in four steps.

1

Pledge collateral

Deposit BTC or ETH as collateral for your line.

2

Draw USD

Borrow up to your loan-to-value limit in dollars.

3

Use the liquidity

Spend or invest — borrowing isn’t a taxable event.

4

Repay anytime

Open-term with no prepayment fee; reclaim your collateral.

Sell vs. borrow

Get the cash. Keep the coins.

Why borrowing against Bitcoin can beat selling it.

 Sell your BTCBorrow with Abra
Access USD liquidityYesYes
Keep your BitcoinNoYes
Triggers a taxable eventYesNo
Keep upside exposureNoYes

Illustrative comparison, not tax or investment advice. Loans involve risk, including potential liquidation of collateral. Consult your own advisor.

Loan calculator

See what you could borrow.

Adjust your collateral and LTV. Illustrative only — subject to approval.

$
ConservativeMax ~50%
You could borrow up to
$420,000
against $1,000,000 in BTC
Taxable eventNone
TermOpen
Understand the risk

Assessing the product.

Crypto-backed loans involve risk, including liquidation.

Loans are overcollateralized. Digital-asset prices are volatile; if your collateral’s value falls below required thresholds, you may face a margin call and your collateral may be liquidated — potentially at an unfavorable time. Interest accrues while the loan is outstanding. Nothing here is tax, legal, or investment advice.

FAQ

Questions, answered.

You can pledge Bitcoin (BTC) or Ethereum (ETH) as collateral for a USD loan. Additional assets may be supported over time.

Up to your loan-to-value (LTV) limit — generally around 50% of your collateral’s value. A more conservative starting LTV leaves more buffer against price moves.

Loans are overcollateralized. If the collateral value falls below required thresholds you may receive a margin call, and collateral can be liquidated to protect the loan. Maintaining a lower LTV reduces this risk.

Taking a loan against your crypto is generally not a sale, so it typically does not trigger a taxable event. This is not tax advice — consult your advisor for your situation.

No. Loans are open-term with no fixed maturity and no prepayment fee. Interest accrues while the loan is outstanding.

Resources

Learn more about crypto-backed lending

Access liquidity without selling.

Open an account

Loans involve risk including liquidation of collateral. Not tax advice. Registration as an investment adviser does not imply endorsement by the SEC.