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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.

Try simulator View collaterals
3,210 active loans ·$8.7M borrowed in last 24h
Borrow rates · By collateral
BTC collateralLowest APR · LTV 75%
NaN%
ETH collateralLTV 75% · Liq 85%
NaN%
SOL collateralLTV 65% · Liq 78%
NaN%
Origination feeOne-time, all loans
0.50%
Live activity
Lowest APR
NaN%
BCH collateral
Max LTV
85%
USDT · stable collateral
Minimum loan
100 USDT
≈ $100 — instant approval
Next charge
--:--:--
until 00:00 UTC · daily, automatic

Live simulator

My loans

Live LTV simulator

Estimate your loan in real time

Collateral amount0.000000 BTC
≈ $0.00 Log in to see your balance
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.

No credit checks, no waiting. Use crypto you already hold to unlock cash in seconds.

1
Step 01 · Lock

Deposit collateral

Lock BTC, ETH or USDT. Higher LTV on stablecoins (90%), lower on volatile assets (70%).

2
Step 02 · Choose

Choose the asset to borrow

Borrow USDT, USDC or ETH. APR from 5.2% on stable collateral, 6.8% on crypto.

3
Step 03 · Receive

Funds in seconds

Assets are credited instantly to your Palzea wallet. Use them wherever you want.

4
Step 04 · 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.

BTC
Bitcoin
BTC
Max LTV75%
Liquidation85%
APR from—
ETH
Ethereum
ETH
Max LTV75%
Liquidation85%
APR from—
SOL
Solana
SOL
Max LTV65%
Liquidation78%
APR from—
BNB
BNB
BNB
Max LTV65%
Liquidation78%
APR from—
XRP
XRP
XRP
Max LTV60%
Liquidation75%
APR from—
DOGE
Dogecoin
DOGE
Max LTV70%
Liquidation85%
APR from—
USDT
Tether
USDT
Max LTV85%
Liquidation92%
APR from—
USDC
USDC
USDC
Max LTV85%
Liquidation92%
APR from—
ADA
Cardano
ADA
Max LTV55%
Liquidation70%
APR from—
LINK
Chainlink
LINK
Max LTV60%
Liquidation75%
APR from—
BCH
Bitcoin Cash
BCH
Max LTV50%
Liquidation65%
APR from—
FAQ

Frequently asked questions about loans

Quick answers to common questions. If something is still unclear, our team is one click away.

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'll get warning notifications. If the price keeps falling and the LTV reaches the threshold, your collateral is automatically sold to cover the loan. You always keep any remainder.
Can I add or withdraw collateral afterwards?
Yes. Add collateral anytime to lower your LTV (safer), or repay part of the loan to release collateral. Both reduce your liquidation risk without closing the position.
What is the origination fee?
A flat 0.50% fee charged once when the loan is opened, taken in the borrowed asset. No prepayment penalty.
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 add to the principal.

Not sure which collateral to choose?

Our team can walk you through LTV ratios, liquidation thresholds and how interest accrues. Get tailored guidance before committing.

Contact support