Frequently asked questions

Australian residents aged 18+ with a valid ID, verifiable income, and Bitcoin holdings. You must pass KYC/AML checks and a credit assessment under NCCP requirements.

Between $5,000 and $100,000 AUD, with loan terms from 3 months to 7 years.

The online application takes under 10 minutes. Once your collateral is transferred and confirmed (typically 30–60 minutes), funds can be disbursed same-day.

The initial quote uses a soft credit check which does not impact your score. A full credit check is performed only when you proceed with a formal application.

Bitcoin (BTC) only at launch. Each loan has a segregated Fireblocks MPC custody vault.

After approval, you receive a unique deposit address. Transfer your BTC from any wallet or exchange. We monitor the blockchain in real-time and confirm after 3–6 block confirmations.

Yes. Collateral is held in Fireblocks institutional-grade custody with MPC key management, insurance coverage, and PPSR security registration. MoneyMe never commingles customer collateral.

Yes, as long as your LVR remains at or below 50% after the withdrawal.

Loan-to-Value Ratio = Loan Balance ÷ Collateral Value. For example, a $50K loan with $100K in BTC = 50% LVR. We monitor LVR 24/7.

At 60–70% LVR (pre-margin), you receive an early warning with options to add BTC or make a partial AUD repayment. At 70% LVR, a formal margin call triggers with a 48-hour cure period. At 80% LVR, partial liquidation occurs automatically to restore LVR to exactly 50%.

You have two options: deposit additional Bitcoin to increase your collateral value, or make an AUD repayment to reduce your loan principal. Both directly lower your LVR.

If LVR reaches 80%, the minimum amount of your Bitcoin is sold on-market to bring your LVR back to exactly 50%. Any remaining collateral stays in custody. You receive notification before and after.

Rates are tiered by your initial LVR: 9% p.a. for LVR ≤30%, 11% p.a. for 31–40%, and 13% p.a. for 41–50%. Your rate is fixed for the loan term.

No. We charge a 1.5% establishment fee (one-off). There are no monthly account fees, no early repayment fees, and no margin call admin fees. Standard Bitcoin network fees apply for transfers.

Yes, at any time with zero early repayment penalties. Your collateral is released upon full repayment.

Yes. MoneyMe Financial Group holds Australian Credit Licence (ACL 442218), is AUSTRAC registered, and operates under the National Consumer Credit Protection Act (NCCP).

Your Bitcoin collateral is held in an SPV trust structure with PPSR security registration. This provides legal protection and clear ownership records.

Contact us first and we’ll work to resolve it. If unsatisfied, you can escalate to the Australian Financial Complaints Authority (AFCA) — our external dispute resolution scheme.