Loan backed by BTC: keep your BTC, access liquidity

Do not sell your assets. Use their potential. Get financing in USDT or fiat currency secured by your BTC on favorable and secure terms.

Secure custody guarantee
Return of the base asset
Privacy
Fundora loan-to-value chart screen

Fundora is a new standard for crypto-backed loans

Our goal is to combine a high-tech platform with premium service for crypto-backed financing.

For BTC holders

  • Speed: Loan calculation and disbursement in as little as 10 minutes.
  • Maximum security: Your BTC collateral is locked in a Discreet Log Contract (DLC) on Bitcoin. Your digital gold remains yours.
  • Asset purity: You receive your exact BTC back in its original form, without the risk of receiving tainted coins.
  • Competitive rate: Financing from 6% APR.
  • Tax efficiency: Borrowed funds are not recognized as income. You access the liquidity you need without realizing gains.

For partners

Build your own business in crypto lending

Become an accredited Fundora Capital liquidity broker and earn by giving clients access to Bitcoin-backed lending infrastructure. Your autonomy is central to the model: you manage the relationship and set the final terms.

Your privileges and opportunities

  • Wholesale liquidity: Access scalable Fundora infrastructure for loans in USDT and fiat.
  • Flexible economics: Full freedom to shape individual client terms. You define your own margin and rate.
  • On-chain transparency: Your clients are protected. Collateral is held in a Discreet Log Contract (DLC) on Bitcoin, without custodial storage.
  • Expert support: Access the Fundora knowledge base, CRM tooling, and regular product training.
  • Multi-level system: Representative rewards across the world.

How it works

From setting terms to managing the position with confidence.

1

Set the terms

Register in the client portal, calculate the loan and collateral amount, and lock the rate. We provide premium service from day one.

2

Provide BTC as collateral

Send BTC to the DLC contract you sign. All outcomes are defined before you make the decision.

3

KYT collateral screening

We verify the source of collateral before issuing financing.

4

Loan disbursement

USDT arrives directly in your wallet within 30 minutes after confirmation.

5

Interest payments

Interest is paid once a month.

6

Manage your position confidently

Track LTV in real time, add collateral, or repay the loan whenever convenient without penalties or loss of base-asset purity.

Loan calculator

Calculate financing secured by BTC and submit a request from the calculator.

Collateral

You provide BTC to secure the loan

BTC

Collateral value: $7,000

Loan amount

Disbursement amount in USDT

USDT
0%25%50%80%
Loan-to-value ratio80.0%

Rate

Fixed annual rate for this partner link

Based on DLC technology

BTC/USD$70,000
Obligation currencyUSDT
Daily interest
$1
RUB 98
Liquidation
90.0%
$62,222
Take a loan

Frequently asked questions

Answers about our non-custodial architecture and DLC technology.

What is non-custodial Fundora lending?

Non-custodial storage means you never unilaterally transfer control of your BTC to Fundora or any third party. Your collateral is locked in a Discreet Log Contract (DLC) on Bitcoin, a programmable 3-of-3 setup where both borrower and lender must cooperate to move funds. Fundora, the lender, and the oracle cannot access or move your BTC alone.

What are the loan-to-value (LTV) requirements?

An 80% collateral load ratio is an informational alert, not an immediate margin call. You receive notifications as the position approaches this level. A 90% liquidation LTV means collateral may be automatically liquidated to repay the loan if the requirement is breached.

What is the interest rate?

Fundora loans use a fixed annual rate shown before the application is created. If you apply through an accredited partner, the final fixed rate includes the partner link terms.

Where is my collateral placed?

The BTC collateral stays in a Bitcoin-side escrow structure. It is not moved into DeFi protocols to calculate the loan rate.

Can my collateral be rehypothecated?

No. Asset security is enforced cryptographically at the Bitcoin protocol level through DLC contracts. BTC is not kept in a custodial wallet, so Fundora, lenders, and third parties do not have access to it.

What is the loan amount limit?

You can receive from $5,000 to $100,000,000 secured by BTC. The product is designed for businesses, miners, and high-net-worth investors who need significant liquidity while keeping BTC exposure.

What is the loan term?

The loan term is open-ended. Repayment is possible at any time, and interest is paid monthly.

How are loan payments structured?

You pay only interest monthly, and the principal is repaid at the end of the term. The system calculates the monthly payment date automatically when funds are issued.

Fundora Capital | Financial Marketplace