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BitLoan • A Reliable Expert
Pledge & Borrow
The borrowers pledge their crypto assets as collateral, such as Bitcoin and select their preferred loan terms and interest rate.
Lend & Earn
The lenders invest USDT/CNYT funds into BitLoan markets and set their preferred loan matching criteria, such as loan terms and rates.
Match & Done
Our platform will match a borrower’s request with multiple lenders’ funds, and borrowers can get the funds instantly.
Millions' Choice
Borrowers
Secure loans at rates generally lower than those offered by other platforms
A speedy application process with a few tabs on your phone. Get funds without selling your favourite crypto asset
When the prices of collateral are rising, the amount of the repayment won’t change, Simply repay and redeem your pledged assets
You can use the funds wherever you want
Lenders
A high return on stable coin than compared with other investments
Diversify your investments rather than spreading your funds over several loans to minimize your risks
All loans are backed by locked collateral in mainstream cryptocurrencies
In the case of market volatility or borrower’s failure to repay, forced liquidation will be carried out to convert borrower’s collateral into USDT/CNYT
Rates & Fees
| Lending Return Rate | Borrowing Interest Rate | Fees | |||
|---|---|---|---|---|---|
| 18.7 % p.a. | 0.06% per day | 20% of Accrued Interest | |||
| Collateral |  BTC |
 ETH |
 EOS |
 QTUM |
 HC |
| Pledge Ratio | 70% | 70% | 70% | 60% | 60% |
| Loan Currency |  USDT CNYT | ||||
| Loan Term | 15 Day / 30 Day / 60 Day | ||||
| Force Liquidation Alert and Enforce |
Collateral will be forcibly liquidated when risk rate reaches 110%
Risk rate = Collateral Market Value /(Loan Amount + Accured Interest) | ||||
Risk Control
Security Guarantee
HyperPay sets up multiple risk control measures in users’ authentication, loan application process, account security management and other related issues to guarantee the safety of users’ funds.
Early/Late Repayment
HyperPay P2P service charges penalties for repaying loans early or late. This helps insure our lenders get most funds back on time.
Repayment Guarantee
When borrower’s collateral value drops too low due to market volatility. HyperPay will forcibly sell the collateral for USDT/CNYT funds to repay the loan.
Market Price Monitoring
Cryptocoin Insurance
Fast, Flexible & Convinient
Pledge your crypto asset to borrow the funds in you own needor finance a portfolio of loans and earn interest.