Protocol Live · Zero KYC Required

Borrow cash,
keep your crypto

Use Bitcoin, Ethereum, and 20+ assets as collateral. Get instant loans without selling — no credit check, no paperwork.

Calculate my loan Learn how it works
$2.4B
Total loans issued
48K+
Active borrowers
4.9%
Starting APR
~90s
Average approval time
How it works

Four steps to liquidity

No banks, no brokers, no delays. Your collateral stays in a fully transparent on-chain vault.

₿

Deposit collateral

Lock BTC, ETH, or any supported asset into your personal vault. Fully non-custodial and auditable on-chain.

%

Choose your LTV

Select a loan-to-value ratio from 30% to 70%. Lower LTV = lower interest and more safety buffer.

💵

Receive USDC / USD

Funds hit your wallet in under 90 seconds. Spend them anywhere — no strings attached.

↩

Repay & reclaim

Repay anytime, in full or partially. Once repaid, your collateral is released instantly.

Loan calculator

How much can you borrow?

Enter your collateral amount and preferred LTV to see your terms instantly. No commitment needed.


🔒 Your collateral is never sold. A margin call only occurs if your LTV exceeds 85%. You'll receive alerts at 75% LTV to top up first.

Loan calculator
BTC
Loan amount
$20,100
Collateral value
$67,000
Annual rate
4.9%
Monthly cost
$82.08
Liquidation price
$28,706
Supported collateral

20+ assets accepted

Deposit any major crypto asset as collateral and borrow against it instantly.

₿
Bitcoin
BTC
Max 70% LTV
Ξ
Ethereum
ETH
Max 70% LTV
◎
Solana
SOL
Max 60% LTV
✦
Cardano
ADA
Max 50% LTV
◆
Chainlink
LINK
Max 50% LTV
●
Polkadot
DOT
Max 50% LTV
◎
Avalanche
AVAX
Max 55% LTV
◈
Uniswap
UNI
Max 45% LTV
$
USDC
USDC
Max 90% LTV
$
Tether
USDT
Max 90% LTV
◆
BNB
BNB
Max 55% LTV
+
9 more assets
Pricing

Simple, transparent rates

No origination fees. No prepayment penalties. Pay only for the time you borrow.

Conservative
%4.9 APR
Up to 30% LTV
  • Lowest risk of liquidation
  • Safe up to −70% price drop
  • Ideal for long-term holds
  • Flexible repayment schedule
Balanced
%7.9 APR
Up to 50% LTV
  • 50% more capital unlocked
  • Protected up to −40% price drop
  • Email + SMS alerts at 75% LTV
  • Top up collateral anytime
Maximum
%11.9 APR
Up to 70% LTV
  • Maximum capital efficiency
  • Real-time LTV dashboard
  • Automated top-up option
  • Best for stable assets (USDC)
FAQ

Common questions

Still have questions? Chat with us using the bubble in the corner.

No. Colvest is fully collateral-based. Your creditworthiness is determined entirely by the value of your crypto assets, not your credit history or income.
You'll receive alerts when your LTV reaches 75%. If it reaches 85%, a partial liquidation is triggered automatically. You can top up collateral or repay partially at any time to avoid this.
Your collateral is held in a smart-contract vault on-chain, secured by multi-sig and independently audited. We never commingle or lend out your collateral to third parties.
Yes — repay in full or partially at any time with zero prepayment penalties. Interest accrues daily, so early repayment reduces your total cost.
You can receive your loan as USDC (on Ethereum or Solana), or have it converted to local fiat and sent via bank transfer in 40+ countries.
The minimum loan is $500 USD equivalent. There is no maximum — loans above $500K may require additional verification for compliance purposes.

Unlock your crypto's potential today

Join 48,000+ borrowers who kept their assets and got the cash they needed.

Get started free Read documentation
C
Colvest Support
Online now

👋 Hey! Drop your name and email so we can follow up if you disconnect.

⚙ Operator Dashboard
No active chat
Waiting for visitor messages...