Pricing — MoneyMe Block

Choose your risk level

Your rate is fixed for the entire loan term based on your initial LVR. A lower LVR means a lower rate — and more buffer against Bitcoin price volatility.

Conservative

9% p.a. fixed

LVR: ≤ 30%

Comparison rate: 10.50% p.a.*
Largest volatility buffer
Lowest risk of margin call

Moderate

11% p.a. fixed

LVR: 31-40%

Comparison rate: 12.50% p.a.*
Balanced rate and collateral efficiency
Recommended for most borrowers

Standard

13% p.a. fixed

LVR: 41-50%

Comparison rate: 14.50% p.a.*
Maximum borrowing efficiency
Suitable for experienced borrowers

*Comparison rate based on $50,000 loan over 12 months with 1.5% establishment fee. WARNING: Comparison rates are true only for the examples given and may not include all fees and charges.

Loan calculator

Estimate your repayments

Adjust the loan amount, risk tier, and term to see your estimated collateral requirement and monthly repayments.

BTC/AUD: $112,036

Loan amount $50,000

$5,000$100,000

Loan term 12 months

3 months84 months

Risk tier

Conservative 9% p.a. (LVR ≤ 30%) Moderate 11% p.a. (LVR 31-40%) Standard 13% p.a. (LVR 41-50%)

Collateral required

$166,667

1.1111 BTC

Interest rate

9.00% p.a.

Fixed for term

Comparison rate*

10.50% p.a.

Monthly repayment

$4,361

Estimated

*Comparison rate includes a 1.5% establishment fee over the selected term. Based on $50,000 over 12 months.

This calculator is for indicative purposes only. Actual terms are subject to credit assessment and approval.
BTC price is illustrative at $112,036 AUD and will vary at time of application.

Fee schedule

Simple, transparent fees with no hidden charges.

Establishment fee

1.5% of loan amount

One-off, deducted from disbursement at settlement

Monthly account fee

No ongoing account-keeping fees

Early repayment fee

Repay anytime with no penalties

Collateral transfer (in)

Network fees only

Standard Bitcoin network fees apply

Collateral transfer (out)

Network fees only

On full repayment or excess withdrawals

Late payment fee

$35

Per missed scheduled payment

Margin call admin fee

No fee charged for margin call events

How we compare

BLOCK vs. alternatives

The best of regulated lending meets crypto flexibility

Regulation

ACL + AUSTRAC + NCCP

Fully regulated

Unregulated

Custody

Zodia Custody (HSM cold storage)

N/A (no crypto)

Smart contract

Max LVR

50%

80%+

75%+

Interest rate

9–13% p.a.

6–15% p.a.

Variable (0–50%+)

Loan range

$5K–$100K

$5K–$1M+

No limit

Liquidation protection

24hr cure + partial liquidation only

N/A

Instant, no warning

Collateral insurance

Yes (Zodia Custody)

N/A

Dispute resolution

AFCA

None

Simple, transparent pricing

See your personalised rate