Crypto-backed loans without selling your cryptocurrencies
Up to 50% LTV depending on collateral
Real-time loan health monitoring
8.42%
APR from
+4
Collateral cryptocurrencies
250,000 €
Maximum amount
0€
No opening or closing fee
Featured assets
Lowest APR
USD Coin
USDC
From 8.42%
Highest LTV
Bitcoin
BTC
Up to 50%
Collateral and borrowable liquidity
| # | Cryptocurrency | LTV / APR from | Liquidation / Limits | Actions |
|---|---|---|---|---|
As collateral4 assetsLock these cryptos as collateral and check each asset LTV. | ||||
| 1 | Bitcoin (BTC)LTV 50% · Liquidation 85% | 50% | 85% | |
| 2 |  Ethereum (ETH)LTV 50% · Liquidation 85% | 50% | 85% | |
| 3 |  XRP (XRP)LTV 50% · Liquidation 85% | 50% | 85% | |
| 4 |  Solana (SOL)LTV 50% · Liquidation 85% | 50% | 85% | |
Borrowable liquidity2 assetsCurrencies you can receive when you take out the loan. | ||||
| 1 | USD Coin (USDC)APR from 8.42% · 100 – 250,000 | 8.42% | 100 – 250,000 | |
| 2 |  EURC (EURC)APR from 9.54% · 100 – 250,000 | 9.54% | 100 – 250,000 | |
Simulate how much you can borrow without selling your crypto
Adjust collateral, amount and Space Center level to see estimated conditions.
- No opening fee
- Early repayment allowed
- Risk depends on collateral value
The calculation is indicative. You will see collateral, estimated interest and conditions before proceeding.
Equates to 200.00 EUR
There is no minimum or maximum term, and selecting one is not required. It is used only to illustrate the total repayment calculation.
0.002725BTC
200.00 EUR
102.11 USDC
0.001391 BTC
8.42% APR
16.00% APR
You pay 44% less interest than without a Space Center level
0.02 USDC
0.04 USDC
What you'd save in a year: ~7.58 USDC
How your rate is calculated
- Without benefits16.00% APR
- With monthly payment15.00% APR−6%
- With Space Center level 78.42% APR−44%
These figures are estimates and not binding, and may vary.
NexovaleCapital Loan Rules
A loan designed to adapt to you, not the other way around. These are the actual conditions under which we operate.
Benefits of getting liquidity without selling
Liquidity without selling your crypto
Keep market exposure
Possible tax treatment different from selling
No classic bank scoring
Liquidity once conditions are confirmed
No fixed repayment schedule
No opening fee
Alerts and health factor
Up to 44% less interest with Space Center
Liquidity with full visibility of your loan
Check your health factor, movements and conditions at any time. Manage your loan from the app or web with crypto agility and no intermediaries.
Established company
Real-time loan health
Available 24/7 anywhere
NexovaleCapital Loan features
Multi-asset collateral
Borrowable asset liquidity
Up to €250,000 automatically
Collateral-based approval
No opening or voluntary closing fee
No minimum or maximum term
Real-time health factor
Flexible payment if collateral drops
Unlimited simultaneous loans
Free use of funds
Space Center APR discounts
Available 24/7 on app and web
Crypto-backed loans: collateral, LTV and liquidity
A crypto-backed loan lets you access liquidity without selling your assets. You lock supported collateral (such as BTC or ETH) and receive borrowable assets like USDC or EURC, depending on availability and product conditions.
Loan-to-Value (LTV) measures how much you can borrow against your collateral. If market prices move against you, margin calls or liquidation may apply. Borrowable-only assets such as USDC and EURC provide stable liquidity, while collateral assets secure the loan.
Educational content updated regularly.
Three steps to liquidity without selling
Deposit crypto as collateral
Receive liquidity in the available currency
Repay at your pace or manage your LTV
Pay up to 44% less interest as you level up
Space Center is our tier program: the more you use the platform, the higher your level and the bigger the automatic discount on your loan interest.
- The discount applies automatically based on your current level
- 8 levels: the higher the level, the lower your interest
- The same level also improves conditions on Earn, Card and Brokerage
Discount by level
This is not a conventional loan, but a fast credit tailored to your needs.
If you want more information about Loan for your business, we will get in touch with you.
| Features | NexovaleCapital Loan | Conventional loan |
|---|---|---|
| Indicative rates to compare with your bank | ||
| No origination fees | ||
| Possible tax advantage vs selling (case-by-case) | ||
| Streamlined process after conditions are confirmed | ||
| No classic bank scoring in usual operations | ||
| No paperwork |
Understand and manage your loan risk
Loan health depends on collateral value. These are the states you may see and what you can do.
From healthy to liquidation: your loan health journey
01
Healthy
LTV is within a comfortable range. No action required.
02
Attention
Collateral value has moved. Review your loan health.
03
Action window
You can add collateral, repay part of the loan, or close the position.
04
Liquidation
If LTV reaches the threshold, partial or total liquidation may apply.
Key concepts to manage risk
What is LTV?
Loan-to-Value is the ratio between the loan amount and collateral value. A lower LTV means more safety margin.
Health factor
A real-time indicator of how safe your loan is based on collateral price movements.
Warnings
When possible, you receive alerts to review loan health and act before a forced liquidation; we do not guarantee advance notice in every scenario.
What you can do
Add collateral, repay part of the loan, close the position, or accept partial liquidation if applicable.
A multidisciplinary team at your disposal
A decade developing blockchain technology
Company headquartered in Spain and backed by top-tier partners
With multi-layer security systems and a personalized support service
