Log in Sign up
bg-img

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 70%
NaN%
ETH collateralLTV 70% · Liq 85%
NaN%
Origination feeOne-time, all loans
0.50%
Live activity
Lowest APR
NaN%
ETH collateral
Max LTV
70%
BTC · stable collateral
Minimum loan
100 USDT
≈ $100 — instant approval
Next charge
--:--:--
until 00:00 UTC · daily, automatic

Live simulator

My loans

Price feed unavailable for this asset, please try again in a few seconds.
Live LTV simulator

Estimate your loan in real time

Collateral amount0.000000 BTC
≈ $0.00 Connect wallet to continue
Asset to borrow · pick one
LTV ratio70% / max 70%
SafeCautionLiquidation
APR0.00%
Origination fee0.50%
Liquidation price—
You can borrow 0.000000 ≈ $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 LTV70%
Liquidation85%
APR fromNaN%
ETH
Ethereum
ETH
Max LTV70%
Liquidation85%
APR fromNaN%
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