Lava: Bitcoin Loans & Card

Lava allows you to securely borrow dollars using your bitcoin as collateral, earn yield on your USD, earn bitcoin back every time you spend, and much more.

Lava’s bitcoin line of credit (BLOC) is the most flexible way to borrow against your bitcoin. You get instant access to dollars in real time, no monthly payments, open terms, and the lowest fixed rates.

Lava also gives you a full suite of bitcoin-powered financial services. You can borrow dollars, earn yield on USD, buy bitcoin with zero fees, off-ramp directly to your bank account, move money globally, and spend with Lava Card while earning bitcoin back on every purchase.

With Lava, you can:

- Borrow dollars using your bitcoin as collateral— no documentation or paperwork required
- Access your loan capital instantaneously
- Borrow any amount, from $1-$1B+
- Borrow at the lowest rates, starting at just 6.5%
- Earn up to 5% bitcoin back on every purchase with Lava Card
- Buy and sell bitcoin with zero fees
- Off-ramp to any bank account globally
- Move stablecoins globally
- Earn yield on cash

Assets on Lava are secured using institutional-grade cold storage infrastructure. All funds are backed 1:1, never rehypothecated, and held in segregated cold addresses that only move when a loan is opened or closed.

Lava has been audited by independent security experts and is backed by the world’s leading fintech investors (including Khosla Ventures, Founders Fund, and Susquehanna). Our team includes bitcoin developers who have served as core contributors for projects including Bitcoin Core, Lightning Network, and DLCs.

With Lava, you can access bitcoin financial services without compromising on security.

Download Lava to get started in seconds.

Lava Protocol Loan Terms:

- Maximum APR: 7%
- Minimum term: 12 months
- Maximum term: 12 months
- Indicative cost: $100 loan, 2% capital charge, 5% interest rate with no monthly payments. Total interest and fees of $7 to borrow $100 for 12 months.