Get rupees against your BTC or ETH. Cash in your bank in 24 hours. No 30% capital gains tax. No selling under pressure.
Beta launches mid-2027 · No spam · Unsubscribe anytime
Enter the amount you need or your crypto holdings. Rates shown are indicative — final rate is set when our partner lenders bid for your loan.
Rates and fees shown are indicative and subject to change. Final loan terms set by partner lender. Crypto-backed loans involve risk including liquidation if collateral value falls. Not an offer of credit.
Larger loans get lower APR automatically. No negotiation, no haggling.
Rates are illustrative and based on partner lender expectations. Live BTC/ETH price from CoinGecko · Updated every page load.
No paperwork. No bank visits. No relationship-manager phone calls. Sign up, send crypto, get rupees. Repay whenever you want.
Quick KYC with PAN and Aadhaar. Linked bank account. Done in 10 minutes.
Transfer BTC or ETH to your unique custody address. Multi-signature. Yours alone.
NBFC partners bid for your loan. You pick the lowest rate. Cash hits your bank.
Most platforms work for the lender. We work for you. Here's what that means in practice.
Segregated MPC vaults. Your collateral isn't pooled, used for yield, or rehypothecated. Repay → it's back in your wallet.
Partner NBFCs bid. You pick the lowest rate. We earn a flat 3% origination fee — no hidden spread, no rate margin.
Repay anytime over the 12-month term. No EMIs to track. No late fees. No pre-payment penalty.
Bitcoin would have to drop ~26% before you'd get an alert. You'd have time to top up or partial-repay. We don't do flash liquidations.
Loans from RBI-licensed lenders. Cash to your bank, not stablecoins on a chain. Indian courts back the contract. No FX risk.
Tiered KYC, AML monitoring, immutable audit logs. Compliance is the foundation, not a bolt-on.
For a ₹15 lakh need against 0.5 BTC. Numbers shown for the standard scenario; your situation may differ.
| Selling 0.5 BTC | LendX loan | Offshore loan | |
|---|---|---|---|
| Cash you receive | ₹27.6 L | ₹15.0 L | ₹15.0 L |
| Capital gains tax | −₹9.8 L | ₹0 | ₹0 |
| Keep BTC upside | No | Yes | Yes |
| Settlement currency | INR (bank) | INR (bank) | USDC / USDT |
| Legal recourse if disputed | Indian courts | Indian courts | Foreign jurisdiction |
Drag the slider to simulate any BTC price move. See your LTV change in real-time, and exactly when a margin call or liquidation would kick in. No surprises — that's the point.
Roughly 1% per month, all-in. On a ₹10 lakh loan: ₹30,000 fee upfront + about ₹10,000/month in interest. Compared to selling: 30% capital gains tax = ₹3 lakh gone, plus you've lost the upside. No late fees, no application fees, no pre-payment penalties.
Your loan starts at 50% of your BTC's value. Bitcoin would have to drop ~26% before we reach out — at which point you can either top up collateral or partial-repay. If it drops another ~13% after that without you acting, we'd partial-sell to keep the loan safe. You always get plenty of warning.
In a separate vault — yours alone, not pooled with other customers. Three keys are needed to move it (multi-party computation), held by different people. We never lend it out, never use it for yield, never rehypothecate. The moment you repay, it goes straight back to your wallet.
Yes. The actual loan comes from an RBI-licensed lender — same kind that gives car loans and home loans. We connect you to them as your authorised agent. We're FIU-IND aligned for AML compliance. You're borrowing from a regulated Indian lender, in Indian rupees, under Indian law.
No. Borrowing isn't a sale, so no 30% capital gains is triggered — that's the whole point of doing this instead of selling. You'd only owe tax if you eventually sell. Always confirm with your CA for your specific situation.
Once you're verified and your crypto is in custody: 24 hours. The lender disburses INR directly to your bank account via UPI, NEFT, or RTGS. First-time KYC takes a bit longer — usually under 48 hours.
₹1,00,000 (₹1 lakh). At 50% LTV on BTC, that's roughly 0.025 BTC of collateral. There's no maximum — though loans above ₹2 Cr go through additional verification.
Beta launches mid-2027. The first 1,000 waitlist members get founding-member rates and priority access. Sign up below — we'll email you the moment access opens.
The first 1,000 wallets get reduced fees on their first loan and priority access when the beta opens. Tell us a little about yourself.