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Unchained

Bitcoin Only
Established 2016
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 24 months
$2,401
Monthly Payment
$57,615
Total Payment
$7,615
Total Interest

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.

1/17/2026

Frequently Asked Questions About Unchained

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