Crypto-Backed Loans

Get instant liquidity without selling your assets. Keep your crypto upside and earn staking rewards while you borrow.

Earn While You Borrow

Unique Advantage: Your locked collateral continues to generate Staking APY (e.g., 36% on TRX, 5% on USDT) while the loan is active.

Instant Approval

No credit checks. No bank delays. If you have the collateral in your wallet, the liquidity is approved quickly.

Safe & Flexible

Total freedom. Repay your loan at any time without penalties. Interest is calculated daily: repay early and pay less!

Loan Terms & Conditions
Interest Rate 0.20% Daily (Fixed Rate)
Contract Duration Options: 15, 30, 60 or 90 Days
Pay-As-You-Go: These are just deadlines. You can repay anytime earlier (e.g., after 3 days) and pay interest only for the days used.
Collateral Accepted USDT, BTC, TON, TRX
(Solana not accepted)
Loan-to-Value (LTV)
  • 🆕 Starter Level: 150% Collateral
    Required for your 1st loan request.
  • 👍 Reputation Level: 120% Collateral
    Unlocked after 1st loan is fully repaid.
  • 👑 Elite Level: 100% Collateral
    Unlocked after 5 successful loans.
Margin Call Risk If the collateral value drops by 20%, you must top-up or the position will be liquidated.

💡 How it works (Example)

You need 100 USDT liquidity. It is your first loan (Starter Level).
1. You lock $150 worth of BTC as collateral.
2. You receive 100 USDT immediately.
3. You keep the loan for 30 days and repay 106 USDT.
Pro Tip: If you repay after just 5 days, you would only pay 101 USDT!
4. Your BTC is unlocked. Bonus: Your BTC also earned staking rewards during this time!

1. Core Concept & Staking

Our Crypto Loan system allows you to access instant liquidity (USDT, BTC, etc.) by locking your assets as collateral without selling them.
Unique Advantage: Unlike other platforms, your locked collateral (Frozen Balance) continues to earn Staking APY during the loan period. You borrow money, but your assets keep growing.

2. Reliability Levels & LTV

We reward good borrowers. By repaying your loans on time, you increase your Reputation Level. Higher levels mean lower "Loan-To-Value" (LTV) requirements (i.e., you need to lock less collateral to borrow the same amount).

Level Name Requirement LTV Required Benefit
Starter New User 150% Standard Access
Reputation 1 Loan Repaid 120% Lock less crypto
Elite 5+ Loans Repaid 100% Max Liquidity (1:1)

* Example of 150% LTV: To borrow $100, you must lock $150 worth of crypto.

3. Request & Approval Process
  • Limits: Minimum loan is $25. Maximum is $500.
  • Destination: Funds are sent directly to your external Wallet Address (e.g., TRC20, BTC network).
  • Verification: After clicking "Request", you will receive an Email. You MUST click the confirmation link inside the email to validate the request.
  • Timing: Once confirmed, our team reviews and sends the funds. The status will change to Active.
4. Repayment & Interests
HOW TO REPAY (Internal Settlement):
We do NOT accept direct transfers to a wallet for repayment.
  1. Deposit the required amount (Principal + Interest) into your StableGrow Balance via the "Deposit" tab.
  2. Come back to this page and click the green "REPAY" button.
  3. The system will deduct funds from your balance and instantly unlock your collateral.

Interest Rate: Fixed at 0.20% daily.
Pay-As-You-Go: You only pay interest for the days the loan is active. Early repayment is allowed and encouraged to save on interest fees.

5. Late Payments & Penalties

Failure to repay by the deadline has serious consequences.

  • Late Fee (With Communication): If you contact support before the deadline, the penalty is 0.5% per day.
  • Late Fee (No Communication): Automatic penalty of 1.0% per day.
  • Liquidation (Default): If a loan remains unpaid for 3 days after the deadline without any response, your collateral will be permanently seized to cover the debt, and your account will be banned.

Ready to unlock your crypto liquidity?

APPLY FOR A LOAN

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