Credit & Lending

Crypto-Backed Credit Facility

Borrow against your cryptocurrency holdings without selling. Get instant access to funds while your assets continue to grow. Up to $25,000 credit limit with competitive rates.

$25,000
Maximum Credit Limit
8.5%
Annual Interest Rate
Real-time
Collateral Tracking
No
Credit Check Required

How Crypto Credit Works

Get instant liquidity without selling your crypto assets in three simple steps.

01

Deposit Collateral

Lock your crypto assets (BTC, ETH, SOL, USDT, USDC) as collateral. Your assets remain in your wallet and continue to earn potential gains.

02

Get Credit Line

Receive instant credit based on your collateral's Loan-to-Value ratio. No credit checks, no lengthy approval process.

03

Use & Repay

Spend with your ZenCard or withdraw funds. Repay anytime with flexible schedules and auto-pay options.

Supported Collateral Assets

Different cryptocurrencies offer varying Loan-to-Value ratios based on their volatility and liquidity profiles.

B
BTC
Bitcoin
65%
Max LTV
E
ETH
Ethereum
60%
Max LTV
U
USDC
USD Coin
85%
Max LTV
U
USDT
Tether
85%
Max LTV
S
SOL
Solana
55%
Max LTV

Loan Calculator

Estimate your borrowing power

Max LTV (BTC)
65%
Maximum Loan
$6,500
Interest Rate
8.5% APR
Monthly Interest
$46.04

Risk Management & LTV Health

Monitor your position health and avoid liquidation with our comprehensive risk management tools.

Safe Zone

0% - 50%

Optimal position with low liquidation risk

Warning Zone

50% - 70%

Consider adding collateral or reducing loan

Danger Zone

70% - 85%

High risk of liquidation - immediate action needed

Real-time Monitoring

Track collateral value 24/7

Liquidation Alerts

Get warned before it's too late

AI Recommendations

Smart credit limit suggestions

Flexible Repayment

Auto-pay and custom schedules

Why Choose ZenCard Credit?

No credit check required - approval based on collateral
Keep your crypto exposure while accessing liquidity
Competitive 8.5% APR with no hidden fees
Flexible repayment with no prepayment penalties
Instant approval and fund access
Collateral continues earning potential gains
$25,000
Maximum Credit Limit

*Credit limit depends on collateral value and LTV ratio