Borrow against your Bitcoin.
Never sell.
Access USD or GBP liquidity at 9%. The lowest effective rate in the market.
You shouldn't have to sell your Bitcoin to live your life.
Selling triggers tax
Every Bitcoin you sell is a taxable event. At 20% capital gains, a $250,000 sale costs you $50,000 - and you permanently exit a position you believe in.
Banks don't understand Bitcoin
Traditional lenders won't accept Bitcoin as collateral. They want income verification, credit checks, and months of paperwork. Even then, approval isn't guaranteed.
Existing crypto lenders charge too much
The industry standard is 9.5–18% with variable fees, rehypothecated collateral, and custody practices that have already caused billions in losses.
Reserve gives you cash. You keep your Bitcoin. 9% all-in. Segregated custody. No monthly payments. Repay whenever you want.
Reservegivesyoucash.YoukeepyourBitcoin.9%all-in.Segregatedcustody.Nomonthlypayments.Repaywheneveryouwant.
How it works
Get a Quote
Tell us how much you need. Instant estimate, no commitment, no account required.
Deposit Collateral
Send BTC to your segregated custody address. 50% loan-to-value. Your Bitcoin is never lent out.
Receive Funds
USD or GBP sent to your bank within 48 hours. No intermediaries.
Repay Anytime
Pay back principal plus interest whenever you're ready. No penalties. Your Bitcoin is returned in full.
See what your Bitcoin could unlock
Loan Calculator
See what you could borrow against your Bitcoin. No account required.
50% LTV = you deposit 2× the loan value
Live price: 1 BTC = $67,936
You deposit
4.42 BTC
You receive
$150,000
You receive in 48 hours
$150,000
BTC you deposit (50% LTV)
4.42 BTC
~ $300,000
Fun fact: Selling this BTC would trigger approximately $60,000 in capital gains tax (20%), another reason why a loan makes sense.
Origination (1.5%)
$2,250
Interest (7.5%)
$11,250
Total repayment at maturity
$161,250
No commitment. We'll get back to you within 24 hours.
How we compare
| Reserve | Ledn | Nexo | Strike | Lava | |
|---|---|---|---|---|---|
| Effective Rate | 9.0% | 12.4%+ | 10.9–18.9% | 9.5%+ | 9.5% |
| LTV | 50% | 50% | Up to 90% | 50% | 50% |
| Lender BTC Option | Yes | No | No | No | No |
| Origination Fee | 1.5% | 2% | Variable | 0% | 2% |
| Collateral | Segregated | Rehypothecated | Rehypothecated | Custodial | Custodial |
| Regulation | UK FCA (target) | Canadian | Swiss | US | US |