For Borrowers
Get liquidity without selling your Bitcoin. Keep full control through multi-signature contracts. Fast, automated funding with no paperwork or credit checks.
Why BlockCredit?
For Lenders
Earn returns by lending to Bitcoin holders. Set your terms and let smart contracts protect your investment. Fully collateralized with automatic liquidation.
How It Works
We connect borrowers and lenders directly. Set your own terms, match with the right person, and let smart contracts handle the rest. No banks, no middlemen.
For Borrowers
1
Connect your wallet
Link your Bitcoin wallet to get started. We verify everything on the blockchain to make sure it's really you.
2
Lock your Bitcoin
Put up your Bitcoin as collateral in a secure smart contract. You still control it through multi-signature security.
3
Set your terms
Tell us how much you need, what interest you'll pay, and when you'll repay. Your loan request goes live for lenders to see.
4
Get matched and funded
A lender accepts your terms and the smart contract automatically sends money to your wallet. It happens in seconds.
5
Pay back and unlock
Pay back the loan plus interest whenever you're ready. Your Bitcoin unlocks automatically once you've paid in full.
For Lenders
1
Connect your wallet
Link the wallet with the money you want to lend out. Everything happens securely on the blockchain.
2
Browse loan requests
Look through borrower requests and find ones that fit your comfort level. Filter by interest rate, loan size, and how much Bitcoin they're putting up.
3
Or make your own offer
Don't see what you want? Post your own lending offer with your preferred terms. Borrowers can accept if it works for them.
4
Fund the loan
Accept a request or wait for someone to accept yours. The smart contract locks their Bitcoin and sends your money automatically.
5
Earn your return
Get your money back plus interest when they repay. If they don't pay, the smart contract sells their Bitcoin to cover your investment.
Protected by smart contracts
Every loan runs on audited code that can't be changed. Your collateral is held safely, rates are locked in, and everything happens automatically. No humans involved means no human error.
Ready to get started?
Whether you need cash from your Bitcoin or want to earn interest by lending, BlockCredit makes it simple and secure.
Or connect your wallet to explore the marketplace