Borrow / Rates
Borrow without selling.
Use your crypto as collateral and unlock liquidity instantly. From 5.2% APR with LTV up to 90%. Keep your upside, repay anytime.
BTC collateral
ETH collateral
SOL collateral
Origination fee
3,210 active loans $8.7M borrowed in the last 24h
Live Activity
Live LTV Simulator
Estimate your loan in real time
Collateral amount0.000000 BTC
Asset to borrow · pick one
LTV ratio75% / max 75%
SafeCautionLiquidation
APR10.50%
Origination fee0.50%
Liquidation price—
You can borrow 0.000000 ADA ≈ $0.00
How it works
From collateral to liquidity in 4 steps.
Use your crypto as collateral, borrow instantly, and repay whenever you want — no credit checks, no fixed schedule.
1
Lock Deposit collateral
Lock BTC, ETH or USDT. Higher LTV on stablecoins (90%), lower on volatile assets (70%).
2
Choose Choose the asset
Borrow USDT, USDC or ETH. APR from 5.2% on stable collateral, 6.8% on crypto.
3
Receive Funds in seconds
Assets are credited instantly to your Palzea wallet. Use them wherever you want.
4
Repay Repay anytime
Pay in full or in part anytime. Your collateral is released when the loan is closed.
Accepted collaterals
Three assets. Three risk profiles.
Choose the collateral that matches your strategy. Stable assets offer higher LTV; volatile ones have lower limits but preserve your upside.
Markets
Max LTV
Liquidation
APR from
Bitcoin BTC
75%
85%
—
Ethereum ETH
75%
85%
—
Solana SOL
65%
78%
—
BNB BNB
65%
78%
—
XRP XRP
60%
75%
—
Dogecoin DOGE
70%
85%
—
Tether USDT
85%
92%
—
USDC USDC
85%
92%
—
Cardano ADA
55%
70%
—
Chainlink LINK
60%
75%
—
Bitcoin Cash BCH
50%
65%
—
FAQs
Frequently asked questions
What is LTV and how is it calculated?
Loan-to-Value (LTV) = (loan amount in USD) ÷ (collateral value in USD). Each asset has a maximum LTV and a liquidation threshold at which the position is automatically closed.
What happens if the collateral price drops?
If your LTV approaches the liquidation threshold, you will receive warning notifications. If the price keeps falling and LTV reaches the threshold, your collateral is automatically sold to cover the loan. You always keep any remainder.
Can I add or withdraw collateral later?
Yes. Add collateral at any time to lower your LTV (safer), or repay part of the loan to free up collateral. Both reduce your liquidation risk without closing the position.
What is the origination fee?
A fixed 0.50% fee applied once when the loan is created, charged in the borrowed asset. No penalty for early repayment.
Is interest charged daily?
Interest accrues per block and is charged to your balance every day at 00:00 UTC. You can pay accrued interest separately or let it compound into the principal.
Not sure which collateral to choose?
Our team can guide you through LTV ratios, liquidation thresholds, and how interest accrues. Get tailored guidance before committing.
Contact support