Crypto-backed loans
Borrow from 10,000 against your crypto
Access liquidity without selling your crypto. Use eligible digital assets as collateral and estimate your borrowing power through a secured, crypto-backed loan with tiered LTV pricing and market-leading APRs.
- From 10,000
- APR from 1.49%
- 2% card spend repayment reward
- Approved loan customers get OneSphere Card access
How crypto-backed lending works
- 01Choose an eligible crypto asset to use as collateral.
- 02Pick your loan-to-value ratio — a lower LTV may qualify for a lower APR because the loan is supported by a stronger collateral buffer.
- 03Submit your application. Approved customers also get OneSphere Card access, subject to mandatory checks.
- 04Eligible card spend earns a 2% repayment contribution toward your loan over its term.
Calculator
Estimate your crypto-backed loan
Select your collateral asset and adjust the sliders to estimate your loan amount, indicative APR, monthly interest, total interest, repayment amount, and potential OneSphere Card repayment rewards.
Your estimate
Low LTVCalculator outputs are estimates only and not a binding offer of credit.
Selected collateral asset
Bitcoin BTC
Estimated loan amount
15,000
Indicative APR
2.99% APR
Estimated monthly interest
37.38
Estimated total interest
Over 12 months
448.5
Monthly card repayment reward
2% of eligible card spend
50
Total card repayment reward
Over 12 months
600
Estimated repayment before rewards
15,448.5
Estimated repayment after rewards
15,000
Final loan terms are provided before any loan is issued.
Apply
Start your crypto-backed loan application
Apply using your selected collateral asset and loan estimate. Your application is linked to your customer account so you can track your crypto-backed loan and OneSphere Card status in one place.
Approved loan customers get card access
Customers approved for a crypto-backed loan are automatically approved for OneSphere Card access, subject to mandatory compliance, fraud, sanctions, jurisdiction, operational, and programme checks. Once active, eligible card spending earns a 2% repayment contribution toward the outstanding loan balance.
APR model
Market-leading APRs through secured crypto lending
Our crypto-backed loan model is designed to offer highly competitive APRs by using overcollateralised lending, real-time collateral monitoring, tiered LTV controls, and card-linked repayment rewards.
Overcollateralised lending
Each loan is backed by eligible crypto collateral worth more than the loan amount.
Tiered LTV pricing
Lower LTV borrowing may qualify for lower APRs because the loan is supported by a stronger collateral buffer.
Real-time collateral monitoring
Collateral values can be monitored against market movements throughout the loan term.
Margin and liquidation controls
If collateral value falls, customers may be asked to add collateral or repay part of the loan.
Card-linked repayment rewards
Eligible OneSphere Card spending generates a 2% repayment contribution toward the loan.
Card repayment reward
Spend with your card. Reduce your loan.
Every time you spend with your OneSphere Card, 2% of eligible card spend is applied toward your crypto-backed loan repayment. This means everyday card activity can help reduce your outstanding balance over time.
| Monthly card spend | 2% repayment reward | 12-month repayment contribution |
|---|---|---|
| 1,000 | 20 | 240 |
| 2,500 | 50 | 600 |
| 5,000 | 100 | 1,200 |
| 10,000 | 200 | 2,400 |
Benefits
Why use a OneSphere crypto-backed loan
Access liquidity
Borrow against eligible crypto assets without immediately selling them.
Keep your crypto position
Use your assets as collateral while maintaining exposure to your selected crypto.
Lower APR at lower LTV
Lower loan-to-value borrowing may qualify for lower APRs due to the stronger collateral buffer.
Card-linked repayments
Eligible OneSphere Card spending generates a 2% repayment contribution toward your loan.
Important risk information
Crypto-backed borrowing involves risk. If the value of your collateral falls, you may be required to add more collateral or repay part of your loan. If you do not act within the required timeframe, some or all of your collateral may be sold to reduce or repay the loan.
APR, LTV, loan availability, collateral eligibility, card reward eligibility, repayment terms, fees, and liquidation thresholds may vary by customer profile, jurisdiction, collateral type, market conditions, and applicable programme terms.
Calculator results are estimates only and do not constitute a binding offer of credit. Final loan terms are provided before any loan is issued.
Unlock liquidity from your crypto
Use eligible digital assets as collateral and estimate your borrowing power today.