0xCapital gives anyone holding crypto access to flexible, collateralized credit. Borrow against your assets in minutes — keep your upside, unlock the cash you need.
Our Solutions
From everyday crypto holders to founders and funds — pick the loan that fits your goals, your assets, and your timeline.
Process
Four steps from application to funded — typically in under 24 hours.
Create your free account in minutes — no paperwork, no hassle.
Pick your loan amount, term, and collateral. Get an instant quote.
Send your crypto collateral to your secure 0xCapital wallet.
Receive USDC, USDT, or your preferred asset — usually the same day.
Comparison
0xCapital versus traditional brokers and banks.
| 0xCapital | Bank / Fintech | |
|---|---|---|
| Crypto collateral assets | 1-2 | |
| Multi-asset collateral | ||
| Non-recourse options | ||
| Fixed interest rate | ||
| Flexible terms (1 month - 2 years) | ||
| Origination fee | 0% | 1-3% |
| APR range | 6.5% – 9% | 10-20% |
Why 0xCapital
0xCapital is built for borrowers who need more than a generic crypto-backed loan. Here is exactly how we differ from Unchained, Ledn, Nexo, traditional banks, and the failed lenders that came before us.
Unlike Unchained, Ledn, or Nexo's standard products, 0xCapital offers true non-recourse structures on qualifying facilities — your personal liability is limited to the pledged collateral. No margin calls against your other assets, ever.
We originate Original Issue Discount credit facilities for institutional borrowers — open-term draw, no rehypothecation, and yields embedded in the principal rather than ongoing interest payments. A structure most retail crypto lenders cannot offer.
Borrow against BTC, ETH, SOL, BNB, USDC, USDT — or pledge pre-IPO private stock and restricted shares as collateral on the same facility. Competitors typically cap you at one or two crypto assets.
Collateral is held in segregated wallets at qualified custodians (Utila / Fireblocks). Never lent, never traded, never used to fund other loans. Verifiable on-chain — a direct response to the BlockFi/Celsius/Genesis failure pattern.
Fixed APR from 6.5%–9% with 0% origination fees. No hidden spreads, no variable-rate surprises, no penalty for early repayment. Compare to bank/fintech APRs of 10–20% with 1–3% origination fees.
$5,000 minimum loan, funded in as little as 24 hours after collateral deposit — same execution speed our $50M+ institutional clients receive. No credit checks: your crypto is your credit.
Client Use Cases
Real borrower scenarios across crypto-backed loans, OID credit facilities, and pre-IPO collateral. Details anonymized; structures and outcomes are representative of executed facilities.
Held 22 BTC long-term and did not want to trigger a taxable sale to fund a cash-on-close deal. Borrowed $1.2M at 7.5% APR against the position, closed in 6 days, and refinanced into a traditional mortgage 90 days later — keeping the full upside of the underlying BTC.
$1.2M funded · 6-day close · 50% LTV
Vested equity in a late-stage private company with no near-term exit. Pledged restricted shares as collateral for an OID credit facility, accessing personal liquidity without forced secondary sales or 409A discounting.
$450K funded · 18-month term · Non-recourse
Needed flexible draw capacity to deploy into OTC opportunities without rotating out of ETH. Structured a revolving facility with segregated custody at Fireblocks — no rehypothecation, monthly interest only, repay any time.
$8M facility · Revolving draw · Fireblocks custody
Long-term BTC holder bridging a property purchase ahead of a liquidity event. No income verification, no credit pull, no origination fee. Funded in under 24 hours after the collateral landed in segregated custody.
$75K funded · <24h · 0% origination
Trusted Infrastructure
Segregated wallets, on-chain proof of reserves, and 24/7 risk monitoring — so your funds stay safe whether you're borrowing $500 or $5M.
Collateral
+ More digital assets available for institutional clients upon request.
FAQ
Everything you need to know about borrowing against your crypto with 0xCapital.
Join thousands of individuals and institutions using 0xCapital for their borrowing and treasury needs.
