Crypto-backed loans

Borrow without selling

Unlock cash from your crypto — without triggering a taxable event.

Pledge your BTC, ETH or stablecoins as collateral and receive USD, EUR or stablecoin liquidity in minutes. Keep your upside, avoid capital-gains tax on sales, and repay on your own schedule.

Recommended

Nexo

Custodial · Regulated

Rate from

2.9%

Max LTV

50%

Min loan

$50

Collateral

BTC, ETH, USDT, USDC…

  • Instant credit line — no credit check
  • $100M insurance on custodial assets (BitGo/Ledger)
  • Auto-repay from your Nexo wallet
  • Nexo Card 2% cashback (available in 50+ countries)

Aave (self-custody)

Self-custody · DeFi

Rate from

Variable

Max LTV

80%

Min loan

$1

Collateral

WBTC, ETH, USDC, USDT…

  • Non-custodial — you hold your keys
  • Instant borrow against 25+ crypto assets
  • Flash loans, isolation mode, e-mode LTV boost
  • No sign-up, no KYC, wallet-connect only

How it works

  1. 1Choose the provider above and open an account (Nexo takes ~5 min, Aave is instant with wallet-connect).
  2. 2Deposit collateral (BTC/ETH/USDC) — or connect the wallet where it already lives.
  3. 3Draw funds up to the max LTV. Repay any time, keep price upside.

Bank of Bali earns a referral fee from Nexo when you open an account via our link. Aave is self-custody and pays us nothing — we list it because it aligns with our privacy-first ethos. Loans are provided by third parties and are subject to their terms, credit assessments, and jurisdictional restrictions. Bank of Bali is not the lender and does not hold your collateral. Cryptocurrency-backed loans can be liquidated if the collateral value drops below the required LTV — read each provider's risk disclosures carefully.

See our full fee schedule