Access dollars without selling your Bitcoin
Borrow funds from 12.4% APR without selling.
Your Bitcoin is more than an asset. It’s a step toward building generational wealth. When you need liquidity for life’s opportunities or challenges, selling your Bitcoin shouldn’t be the answer.
Trusted by over 40,000 digital asset holders across the globe
Bitcoin-backed loans are a straightforward way to access funds while keeping your Bitcoin. You use your Bitcoin as collateral, and in return, you get liquidity in USD, USDC, or your local currency.
Since 2018, Ledn has issued over $6.5 billion in loans and earned a 4.8-star rating on TrustPilot. We take your trust and peace of mind seriously.
With Ledn you’re always in control, thanks to our focus on transparency and risk management. We know that behind every Bitcoin portfolio is a real life: a family, a career, a future.
In loan originations since 2018
Average time to receive your funds
Collateral is held in custody with qualified custodians and banks.
Bitcoin loan calculator
Bitcoin-backed loans are denominated in US dollars. However, they can be funded in your preferred currency.
50%
Starting at 13.4%
Collateral is held in custody with qualified custodians and banks.
Get the lowest interest rate available with Ledn.
The information shown on the calculator is hypothetical and for illustrative purposes only and does not represent a commitment to lend. Ledn Loans availability may vary based on jurisdiction. Read our Risk Disclosure Statement and Disclaimers for more information.
The cost of selling Bitcoin
Selling Bitcoin to cover short-term needs can cost you in the long run:
Lost future value
Selling means missing out on Bitcoin’s growth potential.
Unnecessary taxes
Triggering taxable events can erode your wealth.
Reduced portfolio
You lose assets that could contribute to generational wealth.
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Ledn offers a smarter option
How Ledn makes borrowing easy
No hidden fees. No surprises. Just a clear, dependable path to liquidity.
Choose your loan type
Decide between Standard and Custodied loans
Submit your loan application
Select your loan details, including loan size and currency
Send your collateral
Send your Bitcoin to your loan
Receive your funds
Access funds in USD, USDC, or your local currency, often within 24 hours
Manage your loan
Repay your loan at any time without penalty. No monthly payments
Ledn is the trusted choice
Security
We prioritize safeguarding your Bitcoin with appropriate risk management measures.
Transparency
We’re clear about our terms, fees, and processes.
Track record
Ledn has never lost a penny or a satoshi of client assets, even during the FTX/2022 crisis that resulted in many retail lenders going bankrupt.
Global Reach
Loans are available in most countries, giving you flexibility no matter where you are.
Choice
Choose between Standard and Custodied loans to match your needs.
Your Bitcoin Loan questions answered
You’ll need at least $1,000 in Bitcoin collateral to qualify.
Absolutely. Repay anytime before the 12-month term ends with no penalties.
There’s no repayment schedule. You repay your loan when it reaches the end of its term, or earlier if you choose.
50%
Standard loans offer the lowest rates by lending collateral, with full transparency in our Open Book Report. Custodied loans keep collateral in custody, avoiding rehypothecation credit risk, with slightly higher APRs.
Ledn’s Bitcoin-backed loans are available in most countries. Contact us at support@ledn.io to check eligibility for yours.
Loans are funded in USD, USDC, or your local currency, but are denominated in USD.
Log into ledn.io, select your type of loan from the top menu, then click "Apply for a loan".
Ready to unlock your Bitcoin’s potential?
This content is being provided to you for informational purposes only and does not constitute legal, financial, investment, or tax advice nor a recommendation by Ledn to buy, sell, or hold any digital asset or product referenced in the content. Terms, conditions, and restrictions depending on your jurisdiction of residence apply to each product you choose to take out. For more information, please visit ledn.io/legal/disclaimers