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Our process for accessing loans and credit cards is designed to be straightforward and seamless.
Use our in-app calculator to explore your loan and credit opportunities, adjusting terms to find the perfect fit before applying.
Easily submit your loan application, choosing the terms that best suit your needs to secure the funding you want.
Sit back and relax—our team will handle the details to ensure your application is ready to move forward smoothly.
Receive your funds swiftly and securely, with flexible options for distribution to best support your financial goals.
Access our tools to manage your loan, track payments, and stay in control of your finances every step of the way.
A crypto backed loan lets you borrow money using your cryptocurrency as collateral. Instead of selling your crypto, you temporarily use it to secure your loan. In return, you get funds in fiat or stablecoins. Once you pay back the loan, your crypto collateral is returned to you.
A crypto-backed loan offers several benefits:
- No credit checks: Your crypto serves as collateral, eliminating the need for credit checks.
- Asset retention: You can access funds without selling your cryptocurrency, allowing you to maintain ownership and benefit from potential future value increases.
- Fast access to funds: Enjoy quick approvals and minimal paperwork.
- Flexible terms: Choose a Loan-to-Value (LTV) ratio and repayment terms that suit your financial needs
If the value of your collateral falls below a specific threshold, we will notify you to deposit additional collateral. This helps prevent liquidation. We offer flexible terms to help you manage margin calls effectively.
Depending on your location, you will be able to choose how you want to receive your loan. You will be able to choose between a Fiat wire and stablecoin transfer/ deposit.
Anyone who owns cryptocurrency and meets our platform's minimum collateral requirements is eligible. We offer loans to individuals and businesses globally, subject to local regulations.
The information provided on this website is for general informational purposes only and does not constitute financial, investment, legal, or tax advice. We are not financial advisors, and no content on this site should be considered as such.
Any decisions made based on the information provided on this website are done at your own discretion and risk. We recommend consulting with a licensed financial advisor, accountant, or other professional to address your specific financial needs and objectives.
Stepha.com is wholly owned by Qulifi Holding Limited, and wholly operated by its subsidiaries, Velocint Limited, Vasp #RDWW-1435, with registered address at UL. Korytnicka 46 /52, 04-109 Warszawa (Warsaw), Province Mazowieckie, with incorporation # '0001119475 , and Point Banc LTD, a Canadian MSB, with a registered address at 420-1001 1 St. Se, Calgary, Alberta, T2G5G3, Canada, incorporation number '738397819, and FINTRAC MSB M23999708.
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