Unlock liquidity without selling your Bitcoin

Borrow $5,000 to $100,000 AUD against your crypto.
Same-day funding from a licensed Australian lender.

$100,000max loan 84 monthsmax term 9-13%p.a. 50%max LVR
Zodia Custody ACL regulated AUSTRAC registered NCCP compliant
Calculate your loan
BTC/AUD: $112,036
Loan amount $50,000
$5,000$100,000
Loan term 12 months
3 months84 months
Risk tier
Output
Collateral required
Interest rate
9.00% p.a.
Comparison rate*
10.50% p.a.
Estimated monthly repayment

*Includes 1.5% establishment fee over the selected term. Based on $5,000 over 3 months.

From application to funded in as little as one day

A fully online process designed to get you access to liquidity quickly, without the complexity of selling your Bitcoin.

Step 01
Apply online
Complete our simple online form in under 10 minutes. Soft credit check only — no impact on your score.
Step 02
Get verified
Quick KYC identity check and credit assessment. We'll confirm your loan terms and collateral amount.
₿
Step 03
Secure collateral
Transfer your BTC to your dedicated Zodia Custody vault. Confirmed after 3–6 blockchain confirmations.
Step 04
Receive funds
AUD deposited directly to your bank account, same-day or within 24 hours of collateral confirmation.
Everything you need to know

Quick answers to the most common questions. See the full FAQ page for more.

Bitcoin (BTC) only at launch. Each loan has a segregated Zodia Custody vault using HSM-based cold storage with M-of-N maker/checker approval — your collateral is never commingled with other customers.
At 60–70% LVR you receive an early warning. At 70–80%, a margin call triggers with 24 hours to add collateral or repay. Above 80%, partial liquidation restores LVR to a safe level.
Same-day or within 24 hours once your collateral is confirmed in your Zodia Custody vault. The online application takes under 10 minutes.
Yes, at any time with zero early repayment penalties. Your BTC collateral is released back to your wallet upon full repayment.
View all FAQs →

Ready to unlock your Bitcoin?

Get a personalised quote in minutes. No credit impact.