Bitcoin-native financial services company offering collaborative custody loans. Borrow against Bitcoin held in multisig vaults where you retain key control. Features transparent terms and no rehypothecation of collateral.
Interest Rates
APR Range14% +
Origination Fee2%
Loan Details
Minimum Loan$150,000
Maximum Loan$1,000,000
Max LTV50%
Example Loan Calculation
Based on a $50,000 loan at 14% APR over 12 months
Interest-only option
$583
Monthly Payment
$50,000
Payment Due at Maturity
$7,000
Total Interest
Illustrative estimate only. Actual rates, fees, payment schedules, and payoff amounts may vary.
Customer Reviews
1 review
Anonymous
Reliable Crypto Lending with Great Support
I’ve used Unchained’s crypto lending service a few times for quick liquidity, and it’s been a smooth experience. The rates are fair, and I appreciate the transparency. Plus, the support team is responsive. Just make sure you understand the terms before using it.
1/17/2026Frequently Asked Questions About Unchained
Unchained offers Bitcoin-backed loans starting at 14% APR. Actual rates depend on loan-to-value ratio, loan amount, and term length.
The minimum loan amount at Unchained is $150,000. This allows both small and large borrowers to access Bitcoin-backed lending.
Unchained has a risk score of 7.4/10 based on our analysis of custody practices, regulatory compliance, and operational history. Risk Score: 7.4/10. Strengths: no rehypothecation, conservative LTV, Bitcoin-only focus.
Unchained offers a maximum loan-to-value (LTV) ratio of 50%. This means you can borrow up to 50% of your Bitcoin's current value. Higher LTV means more borrowing power but also higher liquidation risk.
Unchained offers loan terms of 3 to 12 months. Interest Only,Principal + Interest
About this analysis
21Rates Editorial TeamBitcoin Financial Research Analysts
Our research team analyzes Bitcoin lending platforms using proprietary risk scoring, rate comparison data, and user reviews. We independently verify lender terms and maintain up-to-date information to help you make informed borrowing decisions.
Last verified: April 2026