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Crypto IBAN

Receive and send euro transfers linked to crypto activity.

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Get liquidity without selling your crypto.

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Earn up to 12% on your crypto with daily rewards.

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Business Financing

Your crypto is on the balance sheet.
Put it to work without selling it.

Borrow up to €20M in euros or stablecoins against your company's crypto holdings whether you're already holding, or planning to add Bitcoin and other digital assets to the balance sheet. No disposal event, no giving up your position, five loan structures built around how your business actually needs the cash.

Talk to a Business SpecialistCompare the five loans
Talk to a Business Specialist

Selling crypto to fund your business costs you twice

Most companies holding crypto on their balance sheet face the same trade-off: sell to get liquidity, or sit on an asset you can't use. Selling triggers a disposal event, gives up future upside, and — depending on your jurisdiction — can create a tax liability you didn't need to take on this quarter.

A crypto-backed loan lets you access euros or stablecoins now and keep your position. You choose the repayment structure that matches your cash flow, not the other way around.

A loan for every need

Built for how businesses actually use liquidity

Treasury Liquidity Without Selling

Your company holds BTC, ETH, or other crypto as a reserve asset, and selling isn't the plan. You need euros or stablecoins on a predictable schedule — not more market exposure — without disturbing the position.
Borrow against it instead. The crypto stays exactly where it is, pledged as collateral, while cash moves into your business account. If the market moves in your favor, you keep the upside; if it dips, you're not forced to sell into it to cover costs.

Working capital & day-to-day liquidity

Payroll, suppliers, inventory, rent: the recurring costs of running the business don't stop for market timing. Get cash flow now, on a repayment schedule built for normal operating rhythm — with the option to close out early if the quarter goes better than planned.

Growth & Expansion Capital

Hiring, entering a new market, scaling marketing spend — growth capital works best when monthly outgoings stay low while you deploy it. Settle the principal later, once the investment has had time to pay off.

Bridge Financing Ahead of a Known Cash Event

A funding round, an acquisition payout, a large receivable — you know cash is coming, just not yet, and you don't want to service a loan in the meantime. You want financing that gets out of the way until the term ends, structured around the timing you already know.

Tax-Efficient Access to Liquidity

Selling crypto to fund the business can trigger a taxable disposal event — even when the proceeds go straight back into operations. Borrowing against the position avoids that: nothing is sold, nothing is disposed of, it just sits pledged as collateral while you get the cash you need. This applies whether or not there's a cash event on the horizon; it's about how you access liquidity, not when.

Start & Grow Your Crypto Treasury Position

You're building — or starting — a BTC or ETH treasury position, and you're not looking for liquidity right now. You're looking for exposure, without committing more company cash to get it.

Treasury Liquidity Without Selling

Your company holds BTC, ETH, or other crypto as a reserve asset, and selling isn't the plan. You need euros or stablecoins on a predictable schedule — not more market exposure — without disturbing the position.
Borrow against it instead. The crypto stays exactly where it is, pledged as collateral, while cash moves into your business account. If the market moves in your favor, you keep the upside; if it dips, you're not forced to sell into it to cover costs.

Working capital & day-to-day liquidity

Payroll, suppliers, inventory, rent: the recurring costs of running the business don't stop for market timing. Get cash flow now, on a repayment schedule built for normal operating rhythm — with the option to close out early if the quarter goes better than planned.

Growth & Expansion Capital

Hiring, entering a new market, scaling marketing spend — growth capital works best when monthly outgoings stay low while you deploy it. Settle the principal later, once the investment has had time to pay off.

Bridge Financing Ahead of a Known Cash Event

A funding round, an acquisition payout, a large receivable — you know cash is coming, just not yet, and you don't want to service a loan in the meantime. You want financing that gets out of the way until the term ends, structured around the timing you already know.

Tax-Efficient Access to Liquidity

Selling crypto to fund the business can trigger a taxable disposal event — even when the proceeds go straight back into operations. Borrowing against the position avoids that: nothing is sold, nothing is disposed of, it just sits pledged as collateral while you get the cash you need. This applies whether or not there's a cash event on the horizon; it's about how you access liquidity, not when.

Start & Grow Your Crypto Treasury Position

You're building — or starting — a BTC or ETH treasury position, and you're not looking for liquidity right now. You're looking for exposure, without committing more company cash to get it.
1
5
want EUR access without taxable eventswant to increase BTC or ETH exposure.want liquidity without selling cryptowant the lowest monthly repayments.prefer to repay later.

For Businesses that

want EUR access without taxable events

want to increase BTC or ETH exposure.

want liquidity without selling crypto

want the lowest monthly repayments.

prefer to repay later.

InstantPredictableCrypto-native
StableLoan
LTV 95%Interest 4%
Instant

Hold stablecoins and get instant, tax-efficient EUR liquidity

Predictable

Keep predictable fixed rates with no market surprises.

Crypto-native

Use a crypto-native alternative to traditional banking.

Get a StableLoan
StableLoan
LTV 95%Interest 4%
Get a StableLoan
Mirror
LTV 50%Interest 9.5%
Get a Mirror Loan
Flexible
LTV 50-70%Interest 12.5-16.5%
Get a Flexible Loan
Interest only
LTV 65%Interest 8-10%
Get a Interest only Loan
Bullet
LTV 50%Interest 10%
Get a Bullet Loan

Compare all five loans side by side

StableLoan

Pay just the monthly interest with 95% LTV in stablecoins.

Collateral
USDC
EUROC
Loan-to-value (LTV)
95%
Interest
4%
Loan Term
1 day - 18 months
Repayment
Monthly interest
Loan Origination Fee
2%
Auto Margin Call Management
Yes
Early repayment
No
Mirror

Nebeus matches your BTC deposit, using the initial and new bitcoin as collateral to double your position.

Collateral
BTC
ETH
Loan-to-value (LTV)
50%
Interest
9.5%
Loan Term
1 day - 12 months
Repayment
Monthly interest
Loan Origination Fee
2%
Auto Margin Call Management
Yes
Early repayment
No
Flexible

Pay monthly the interest and loan amount and enjoy more customisation.

Collateral
ETH
BTC
USDC
XRP
22 tokens
Loan-to-value (LTV)
50-70%
Interest
12.5-16.5%
Loan Term
1 day - 36 months
Repayment
Monthly
Loan Origination Fee
2%
Auto Margin Call Management
Yes
Early repayment
Yes, for loans <75k EUR
Interest only

Pay monthly only the interest. The amount you borrowed is settled in your final payment.

Collateral
BTC
ETH
XRP
SOL
Loan-to-value (LTV)
65%
Interest
8-10%
Loan Term
18-48 months
Repayment
Monthly interest
Loan Origination Fee
2%
Auto Margin Call Management
Yes
Early repayment
No
Bullet

Pay once at the end of the term to cover the amount you borrowed plus interest.

Collateral
BTC
Loan-to-value (LTV)
50%
Interest
10%
Loan Term
18 months
Repayment
Once at the end of the loan term
Loan Origination Fee
2%
Auto Margin Call Management
Yes
Early repayment
No

Built for Companies That Put Their Crypto to Work

Loan sizes that match business scale

From €100 to €20,000,000. Structured for treasury operations and growth financing, not retail-sized borrowing.

Non-recourse

Collateral secures the loan. Company assets outside the pledged crypto aren't at risk in a default scenario.

Loan sizes that match business scale

From €100 to €20,000,000. Structured for treasury operations and growth financing.

Nebeus lendingNow

Loan approved based on collateral value. No credit history required.

Same-week approval

No credit checks, no lengthy underwriting cycle. Approval is based on collateral, not company credit history.

Liquidity available to ensure your operations

Pair the loan with a Nebeus Business IBAN: receive the loan, move it to the IBAN for free, and use the liquidity in euros like any other account — no explaining "crypto-backed" to your bank's compliance team.

Non-recourse

Collateral secures the loan. Company assets outside the pledged crypto aren't at risk in a default scenario.

Same-week approval

No credit checks, no lengthy underwriting cycle. Approval is based on collateral, not company credit history.

Nebeus lendingNow

Loan approved based on collateral value. No credit history required.

Approval based on collateral

No credit checks, no lengthy underwriting cycle. Approval is based on collateral, not company credit history.

Direct path to euros you can actually spend

Pair the loan with a Nebeus Business IBAN: receive the loan, move it to the IBAN for free, spend it like any other business euro account — no explaining "crypto-backed" to your bank's compliance team.

From collateral to funded account, four steps

01

Deposit crypto

Fund your Nebeus business wallet with the collateral asset for your chosen loan type

02

Choose your structure

StableLoan, Flexible, Interest Only, Mirror, or Bullet, sized and termed to your need

03

Get funded

Receive euros, crypto assets or stablecoins directly into your Nebeus wallet

04

Move and execute

Send to your Nebeus Business IBAN and use it like any business account

Talk to a loan specialist

Talk to a loan specialist

Tell us about your company and what you need the liquidity for. A specialist will follow up with a structure recommendation, not a generic rate sheet.

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