Our Services
Access cash without liquidating your crypto. With Crypto Credit's crypto-backed loans, you can unlock liquidity, minimize tax implications, and secure funds precisely when you need them - all while holding onto your Bitcoin.
Collateral
Bitcoin
We will begin with Bitcoin as it serves as the reserve asset in cryptocurrency markets. More collateral options will be added in the future.
Facility
12-Month Revolving Loan
Our revolving loan facility is designed for flexibility with no early repayment charges. The facility can be renewed after a simple review.
Interest Rate
14% APR
+ 1.5% one-off setup fee
No hidden costs including legal fees and documentation expenses.
LTV
50%
The Loan-to-Value ratio is fixed at 50% with applicable margin maintenance requirements.
About
Crypto Credit Group has been a licensed and operating money lender in Hong Kong since 2013. We are undergoing a transformative period where credit finance is facing many challenges and opportunities. In the recent quarters, the management has initiated a business plan to engage an emerging asset class - digital assets. Crypto Credit believes our experience in traditional lending can be leveraged by integrating solutions involving digital assets.
At Crypto Credit , we are committed to pioneering the future of finance in Hong Kong by striving to become the first licensed cryptocurrency lending platform. Our mission is to empower individuals with flexible financial solutions through Bitcoin-backed loans. We offer fixed-rate loan products with terms of up to 12 months, ensuring a safe and efficient lending experience.
Products & Solutions
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Our journey is beginning with Bitcoin.
Bitcoin as collateral. Why Bitcoin? Bitcoin is the first and most accepted digital asset in the world. In terms of security, Bitcoin’s underlying architecture has proven itself impeccable since its conception in 2009. Various markets have been developed around Bitcoin in recent years including future derivatives and exchange traded products. These markets are mature and with record-breaking trading volume and liquidity.
Such market depth granted us here at Crypto Credit, an entity coming from traditional finance, the confidence to take Bitcoin as a worthy collateral; and the following will form the basis of our credit policy:
Custody & Security
Here at Crypto Credit we fully appreciate the mantra “not your key, not your coin”. Therefore, we have taken multiple steps to ensure the safety of your digital assets; when Crypto Credit takes custody of your Bitcoin, the legal ownership of the coin remains with you. The collateralization of the asset is to solely facilitate the credit line made available to you. The collateralized asset will not be rehypothecated, and periodic Proof of Reserve will be certified by a licensed public accountant. The collateralized Bitcoin will be fully insured; we are currently undergoing stringent procedural audit by a major insurance underwriter.
Risk Disclosure
The cryptocurrency market is highly volatile, and price fluctuations may bring potential risks. Before engaging in Bitcoin-backed Loan, please understand the market risks and make risks and make decisions on the basis of a full understanding of the relevant risks. Crypto Credit advises clients to conduct thorough market research before participating in loan activities.
There may be financial risks associated with the use of Bitcoin-backed loan services, and clients need to carefully assess their own risk tolerance. The loan products provided by Crypto Credit are for reference only, and clients must bear the relevant risks on their own.