Borrow up to 80% of the value of your Bitcoin with Zero Risk

Crypto-backed loans are loans that you secure using your cryptocurrency investments as collateral. By using your crypto to get a loan, you maintain ownership of your digital assets while instantly borrowing Euros, British Pounds, US Dollars, or Stablecoins for any needs or expenses.

Nebeus offers four loan programs: Mirror Loan, Bullet Loan, Interest-Only Loan, and Flexible Loan, each with different interest rates, accepted collateral, and repayment terms. This allows users to select the option that best suits their needs. To apply for a loan, users must create an account on Nebeus, ensure they have cryptocurrencies in their wallet, log in, and access the Loans section. There, they need to choose the program that best fits their needs, specify the desired amount, and review the details. Once the terms are accepted, the requested amount will be transferred to their Nebeus balance, where users can freely use it, such as spending it with the Nebeus card or transferring it.

You can use up to 24 cryptocurrencies as collateral to request a loan of up to 250,000 in FIAT currency or stablecoins. The loan term can be up to 36 months, and you can choose your loan-to-value (LTV) ratio, going up to 75%. Interest rates and loan fees will vary depending on the LTV you select. With Nebeus, you can customize your loan term and interest payments according to your individual needs.

Once you sign up to Nebeus, either through the Nebeus appold or the desktop, you'll need to first verify your identity. Once your identity is verified and you've funded your account with the cryptocurrency you want to use as collateral for your loan, you can get a loan in less than 2 minutes. All you'll need to do is select your loan terms and accept the loan agreement, after which your loan will instantly appear in your relevant currency Nebeus account.

All crypto that is used as collateral for Nebeus crypto-backed loans is stored on segregated cold storage devices, kept in bank-grade Class III security vaults, and insured up to $100 Million by Lloyd's of London.

The Loan-to-Value (LTV) ratio refers to the percentage of the value of your collateral you will receive in a different asset (the loan amount). In the case of Nebeus, when you take out a loan, you will use your crypto as collateral and receive cash. The higher the loan-to-value ratio, the bigger the portion of the cash you will receive. How to calculate LTV Loan-to-Value Ratio. Examples: If you have $10,000 worth of BTC and apply for a cash loan with a 75% LTV, you will receive a balance of $7,500 cash. ($7,500 = $10,000 × 0.75) If you have $10,000 worth of BTC and apply for a cash loan with a 67% LTV, you will receive $6,700 cash. ($6,700 = $10,000 × 0.67)

Yes. Our Crypto-backed lending is available to meet the financial needs of any business. By using your business's cryptocurrency investments as collateral, you can obtain secure crypto-backed loans that come with advantageous terms and can be tailored to suit the requirements of businesses and accredited investors.

No. Rather than endure lengthy and difficult checks on your credit score as you would have to do if getting a traditional loan, borrowers can receive their loans in nearly no time. All you have to do is verify your identity by submitting some standard documents, and the entire verification process can be exceptionally swift, taking as little as 15 minutes.

The loan payment is due on a specific date each month, and Nebeus sends reminders 1 to 3 days before. After payment, the collateral assets are credited within 24 hours. Nebeus provides tools to monitor the loan status and an automatic management option in case of a margin call. Otherwise, users have 3 days to manually add collateral or repay the loan.