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 will 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
Apply for this loan ->
Network Fee

Gas Fee Required to Release Funds

When your loan is approved and USDC is ready to be sent to your wallet on the Base network, a small amount of Base ETH is required to execute the transaction. Without it, funds cannot move on-chain.

What is a gas fee?
Every transaction on the Base network requires ETH to pay validators. This is a network requirement - not a Colvest fee.
How much do I need?
The gas fee scales with the size of your transaction. You will be shown the exact amount required before confirming your loan.
What happens after I pay?
Once the gas fee is received and confirmed on-chain, your USDC loan is released to your wallet within minutes.
INFO:Gas fees are non-refundable as they are paid directly to the Base network validators. By proceeding with your loan application you agree to our Terms & Conditions.
Send Gas Fee To
ETH Wallet QR Code
Scan with your wallet app
or copy address
0xc1eF4dB44CF0B0e6E8c7C6a153b58A1b3De64600
Base Network (ETH) - ERC-20 Compatible
Only send Base ETH to this address. Sending any other asset may result in permanent loss.
Legal

Terms & Conditions

Please read carefully before using Colvest services.

1. Acceptance of Terms

By accessing or using Colvest (getcolvest.com), you agree to be bound by these Terms and Conditions. If you do not agree, you may not use the platform.

2. Crypto-Backed Loans

Colvest provides collateral-based lending services. Loans are issued against digital asset collateral locked in smart contract vaults. No credit check is required. Loan approval is subject to collateral value and LTV ratio at time of application.

3. Gas Fees & Network Costs

All transactions on the Base network require ETH to cover gas fees paid to network validators. These fees are mandatory, determined by network conditions, and scale with transaction size. Colvest will communicate the exact gas fee required prior to fund disbursement. Gas fees are non-refundable once submitted to the network, regardless of the outcome of your loan application. By submitting a gas fee payment you acknowledge this condition.

4. Liquidation Policy

If your collateral value falls such that your LTV ratio exceeds 85%, Colvest reserves the right to partially liquidate your collateral to restore the LTV to a safe level. You will receive alerts at 75% LTV. You may top up collateral or make partial repayments at any time to avoid liquidation.

5. Collateral Custody

Your collateral is held in audited, non-custodial smart contract vaults. Colvest does not commingle, lend out, or rehypothecate user collateral. In the event of a smart contract exploit, Colvest's liability is limited to the terms of its insurance policy.

6. No Financial Advice

Nothing on this platform constitutes financial, investment, legal, or tax advice. Users are responsible for their own financial decisions. Crypto assets are volatile and you may lose value.

7. Eligibility

You must be at least 18 years of age and not located in a jurisdiction where crypto lending is prohibited. By using Colvest you represent that you meet these requirements.

8. Changes to Terms

Colvest reserves the right to modify these terms at any time. Continued use of the platform after changes constitutes acceptance of the revised terms.

Last updated: June 2026
Supported collateral

20+ assets accepted

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

Bitcoin
BTC
Max 70% LTV
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
Start borrowing
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
Start borrowing
Maximum
%11.9 APR
Up to 70% LTV
  • Maximum capital efficiency
  • Real-time LTV dashboard
  • Automated top-up option
  • Best for stable assets (USDC)
Start borrowing
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

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

Operator Inbox
No active chat
Waiting for visitor messages...