For Individuals

  • Insights
  • About Us
  • Contact Us
  • Overview
  • Trading
  • Staking
  • Custody
  • Lending
  • Loans
Become a Client

Unlock Extra Liquidity With a Crypto-Backed Loan

Access fiat while remaining invested in crypto. Borrow USD, EUR, or CHF using any combination of over 15 supported fiat and crypto assets as collateral.

Stay Invested While Spending

Need some fiat to pay a bill or increase your crypto position? Our loans enable you to remain invested in crypto assets while having liquidity at your disposal. You can borrow USD, EUR, CHF and four crypto assets using any combination of over 15 supported fiat and crypto assets as collateral. All pledged crypto assets are safely stored in the Bitcoin Suisse Vault for the duration of the loan and are segregated from our balance sheet. Please note that loan availability is dependent on your jurisdiction of residence and may not be available in your jurisdiction.

Why We’re Better

1

Better flexibility

Loans can be secured with any combination of over 15 supported fiat and crypto collateral assets, which can be swapped out during the loan term.

2

Better liquidity

Credit volumes can range from CHF 100,000 up to multi-million amounts, providing you with ample liquidity.

3

Better reassurance

Crypto collateral assets are bankruptcy remote and held in segregated custody on our audited custody solution, Bitcoin Suisse Vault.

4

Better resilience

Want to short a crypto asset? You can also borrow select crypto assets including BTC, ETH, DOT and USDC.

Key Information

Terms3, 6 and 12 months
Interest Payment Quarterly
Minimum Loan CHF 100,000
Interest Rate Fixed
Loan Currencies & Crypto Assets CHF, EUR, USD, USDC, BTC, ETH, DOT
Credit Commission None

Our Lending Service in Numbers

The numbers below apply to the Bitcoin Suisse Group.

15

Supported combinations

7

Supported currencies & crypto assets

200 +

Team members

24/7

Collateral value monitoring

How to Obtain a Loan with Bitcoin Suisse

To borrow fiat against your crypto holdings, simply follow the three steps below.

01

Access the lending portal or contact your relationship manager 

From the portfolio screen of your account, click on "Loans".

02

Finalize the details and pledge collateral 

Select the fiat currency (or crypto asset) you would like to borrow. Then choose the fiat currency or crypto assets you would like to use for collateral. A relationship manager will contact you to customize the loan to your needs and finalize the details. Pledged crypto collateral assets are held in a segregated account in your name which is locked till the loan matures, but you can swap them during the loan term.

03

Receive your loan

After a short approval process, you will receive the loan contract and have the money at your disposal.

Hold Crypto, Get Cash

Access cash when you need it, without divesting your crypto holdings. Open an account now to benefit from our highly flexible lending facility.

Additional Services For Individuals

Our cohesive suite of crypto finance services provides a seamlessly integrated ownership and investment experience. Here are the other services you can avail of by opening an account:

Trading - Invest

Best execution across over 12 of the world’s largest and most trusted crypto venues, with minimized counterparty risk and extensive API support.

Staking - Grow

Earn rewards that regularly outperform industry benchmarks from proof-of-stake crypto assets like ETH, SOL, DOT, ADA and many more.

Custody - Protect

Protect your crypto assets with our institutional-grade, ISAE 3402 audited cold storage solution, Bitcoin Suisse Vault.

Invest in Loans - Earn

Lend major fiat currencies and earn attractive yields compared to conventional short-term money market instruments.

Become a Client

Re-experience crypto with personalized service, native expertise and elegant, bespoke solutions.

Things to Consider - Potential Risks

It is essential to understand the risks involved with collateralized loans. The loan utilized should be aligned with the financial capacity to meet interest payments, loan repayments, or any potential margin calls.   The loan-to-value ratio should be considered in relation to the objectives being pursued and, if necessary, adjusted to current market conditions. Should the crypto collateral assets in a portfolio lose value and/or their loan-to-value ratios are adjusted, additional collateral may be required, or the loan amount may need to be reduced. 

Failure to meet these obligations within the agreed time frame may result in Bitcoin Suisse adjusting the structure of the portfolio or liquidating the crypto collateral assets.

Personal Support, Every Step

Our team of native experts are here to provide you with the tools, insights and support you need.

Bitcoin Suisse AG Grafenauweg 12 6300 Zug Switzerland

Our Services

  • For Individuals

  • For Corporations

  • For Financial Service Providers

  • For Crypto Foundations & Firms

  • For Funds

  • API

  • Invest

  • STOXX® Digital Asset Blue Chip Index

  • Bitcoin Suisse App

  • Bitcoin Suisse Online

  • CryptoFranc (XCHF)

Bitcoin Suisse

  • About Us

  • Our Team

  • Investor Relations

  • Media Relations

  • Company News

  • Career

Insights

  • Bitcoin Suisse Outlook

  • Industry Rollup

  • Wealth Management Report

  • Podcasts

Info

  • Impressum

  • Legal Notice

  • Security at Bitcoin Suisse

  • Privacy Settings

Support

  • Support Center

  • Contact Us

Client Area

  • Log in

Copyright © Bitcoin Suisse – 2025

    Our Services
    For Individuals
  • Language

    English

  • Theme
Become a Client
Cookie Disclaimer

This website uses cookies. Some cookies are necessary and enable core functionalities such as security, network management and accessibility. We also set analytics cookies to help us improve our website by collecting and reporting information on how you use it. Below you find your options for your cookie settings. For more information on how these cookies work please see our Privacy Notice.