Frequently Asked Questions

Loan Basics

Collateral & Security

Margin Calls & Liquidation

Process

Regulation

BTC £48,074 · $65,855 ▲ 0.0%Building the UK's Bitcoin-backed lenderSegregated custody · never rehypothecatedFCA application: autumn 2026BTC £48,074 · $65,855 ▲ 0.0%Building the UK's Bitcoin-backed lenderSegregated custody · never rehypothecatedFCA application: autumn 2026

Frequently Asked Questions

Loan Basics

What is a Bitcoin-backed loan?

What does 50% LTV mean?

What is the interest rate?

Are there monthly payments?

Can I repay early?

What currencies can I borrow in?

Collateral & Security

What happens to my Bitcoin?

What is rehypothecation and do you do it?

Who is your custody provider?

What happens if Reserve goes bankrupt?

Margin Calls & Liquidation

At what point would I get a margin call?

What happens at the liquidation threshold?

What are my options during a cure window?

What happens at maturity?

Process

How long does it take to get a loan?

What KYC do I need?

What is the minimum and maximum loan size?

Which jurisdictions do you serve?

Is collateral insured?

Regulation

Is Reserve regulated?

What would FCA authorisation mean?