Nebeus
Borrow now

Get your own
crypto loan

Borrow now
Pick your loan type
MIRROR
Mirror

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

BULLET
Bullet

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

ONLY_INTEREST
Interest only

Pay monthly only the interest, and settle the amount borrowed at the end of the term.

FLEXIBLE
Flexible

Pay monthly the interest and loan amount, with the option to repay early and enjoy more customisation.

Pick your loan type
MIRRORMirror

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

BULLETBullet

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

ONLY_INTERESTInterest only

Pay monthly only the interest, and settle the amount borrowed at the end of the term.

FLEXIBLEFlexible

Pay monthly the interest and loan amount, with the option to repay early and enjoy more customisation.

Collateral
BTC
BTC
Select collateral currency
BTC
BitcoinBTC
Loan amount(USDT 100-USDT 250,000)
USDT
USDT
Select loan currency
USDT
USDTUSDT
Loan TermFixed
12 month(s)
Loan-to-value (LTV)Fixed
50%
Total repaymentUSDT 0
Monthly repaymentUSDT 0
Interest8%
Borrow now

We bring you the
broadest loan offer ever

Collateral
Loan-to-value (LTV)
Interest
Loan Term
Repayment
Loan Origination Fee
AMC
Excess collateral release
Mirror

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

Collateral
BTC
Loan-to-value (LTV)
50%
Interest
8%
Loan Term
12 months
Repayment
Monthly interest
Loan Origination Fee
2%
AMC
Yes
Excess collateral release
No
Bullet

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

Collateral
BTC
ETH
Loan-to-value (LTV)
50%
Interest
9%
Loan Term
12 months
Repayment
Monthly interest
Loan Origination Fee
2%
AMC
Yes
Excess collateral release
No
Interest only

Pay monthly only the interest, and settle the amount borrowed at the end of the term.

Collateral
ETH
BTC
Loan-to-value (LTV)
65%
Interest
8%
Loan Term
12 months
Repayment
Once at the end of the loan term
Loan Origination Fee
2%
AMC
Yes
Excess collateral release
No
Flexible

Pay monthly the interest and loan amount, with the option to repay early and enjoy more customisation.

Collateral
BTC
ETH
USDC
USDT
24 tokens
Loan-to-value (LTV)
50-80%
Interest
10-16%
Loan Term
1-36 months
Repayment
Monthly
Loan Origination Fee
2%
AMC
Yes
Excess collateral release
Yes

Nebeus monitors market volatility
and automatically replenishes loan collateral from your main Nebeus account when approaching a margin call

AMC

Why Nebeus

Lending
since 2014

Nebeus was founded in 2014 and is of the oldest cryptocurrency apps in the world, focusing on crypto backed lending.

Nebeus is registered with the Bank of Spain as a virtual asset exchange service provider and cryptocurrency custodian.

BitGo

Loan collateral (Crypto holdings) are safeguarded by Bitgo, one of the largest custodians in the world, with $64B of assets under custody.

Lloyd's

Loan collateral (Crypto holdings) are insured with a $250M policy by a syndicate of insurers of Lloyd’s of London.

Use cases

Case
Case
Case
Case
Case
Case
Case
Case

Questions
answered

01
What is a crypto backed loan?

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.

02
How to Get a Crypto Loan

Nebeus offers two loan programs to its users, the Quick Loan and Flexible Loan, with different interest rates, loan limits, fees and repayment terms. To apply for a loan, users must first create a Nebeus account and have cryptocurrency in their Nebeus wallet. To apply for a loan, users should log in to their Nebeus account, go to Loans, and select the loan program that best suits their needs. They will need to enter the loan amount and confirm the loan details, including interest rates, monthly payments, and repayment terms. Once they accept the loan agreement, the loan amount will be transferred to their bank account.

03
How do crypto loans work?

You can choose to collateralize your Bitcoin or Ethereum and borrow up to 250,000 in FIAT currency or Stablecoins. Loan term could be as long as 36 months and you can choose your LTV ratio, bringing it up to 80%. The loan's interest rates and fees will adjust depending vary based on the LTV that you select. With Nebeus, you can tailor your crypto loan term and interest payments to your individual needs.

04
How long does it take to receive my loan?

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.

05
How does Nebeus protect my collateral

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.

06
What is a (LTV) Loan-to-Value Ratio?

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 an 80% LTV, you will receive a balance of $8,000 cash. ($8,000=$10,000*.8) If you have $10,000 worth of BTC and apply for a cash loan with a 70% LTV, you will receive $7,000 cash. ($7,000=$10,000*.7)

07
Can my business get a crypto loan?

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.

08
Is there a credit score check?

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.

09
How do I pay back my crypto backed loan?

Loan repayment (and pay interest) are due on a specific date of the month. Nebeus sends notification emails 1-3 days before the repayment date to remind users to have the required deposit amount in their account. After paying off the loan, the collateral assets will be credited to their account within 24 hours. Nebeus offers tools to help users stay updated on their loan's health status and offers a management option that will automatically manage the loan in case of a margin call. Users have a 10-day buffer if a margin call occurs, allowing them to add collateral or repay the loan.

We’re regulated & authorized

Nebeus (Rintral Trading SL) is a company registered with the Bank of Spain under registration number D664 for custody services, sale, and purchase of digital assets.

Nebeus is a part of Money-4 Limited, a pioneering bank core developer specialized in blockchain integration.