Get a USDT Loan
Collateralized by Your Bitcoin

Use your BTC as collateral, choose a convenient term, and receive a loan in USDT. Repay the USDT at the end of the loan term and get your BTC back

Instant Approval

Secure

Transparent Fees

24/7

Support –
Always Awake

400 000+

Users Trust EMCD
with Their Finances

Years in the Cryptocurrency
Market

Get from 1 000 to 1 000 000 USDT

In seconds with collateral

No approvals

Get an instant loan —
no credit history check

Safe

We store the majority of crypto assets on cold wallets that aren’t connected to the internet

We use cutting-edge cryptography tech and pass regular audits

No hidden charges

Transparent fees — no insurance or transaction charges for withdrawals

24/7 support

Our tech support is here for you 24/7 — an expert team is always ready to help and answer any questions

Sudden expenses

Investments

Shopping

Real estate

What are loans
with collateral for?

Covering sudden expenses

A loan can come in handy if you need to cover something unplanned,
like car repairs or an unexpected move

Investing into mining

Grow your mining power without selling your coins —
buy a new ASIC and cover the loan interest with your rewards

Buying real estate

Crypto loans can offer lower rates than banks, allowing you to buy real estate
or cover a down payment for a mortgage

Treating yourself

Go on that trip you’ve been dreaming of, get your loved ones
something really special, or invest into your education with a course

Keep your BTC and get USDT

And all this without the need to
part with your coins

300 000+
users trust us

John. Investor

John is a crypto enthusiast who decided to try out EMCD’s services. He took a loan using 1 BTC as collateral and got $ 50,000 USDT. Instead of just holding onto his bitcoins, John dove into a portfolio of altcoins he believed would skyrocket.

Six months later, his portfolio exploded in value. He sold the altcoins, paid off the loan, returned the collateral, and pocketed over $ 100,000 in profit. That’s how he grew his wealth without ever selling a single bitcoin.

Leon. The Strategic Miner

After five years in mining, Leon saw a game-changing opportunity: new equipment that could boost his income by 30%. The problem? He didn’t want to sell his hard-earned Bitcoin. The solution? A BTC-backed loan. With $ 70,000 in hand, he scaled up his operation. The new hardware paid for itself, the loan was repaid fast, and his mining power doubled. More profits, more growth, no sacrifices.

Olivia. The Ambitious Trader

Olivia had one goal — an MBA from a top European university. But tuition and living costs required a hefty sum. Selling her Bitcoins? Not an option. Instead, she leveraged our service, took out a BTC-backed loan, and funded her education without touching her assets. One year later, with a high-paying job in hand, she cleared the loan in just six months. Her Bitcoins remained intact, growing in value while she secured her future.

Daniel. The DeFi Risk-Taker

Daniel saw DeFi as a goldmine of opportunity, but there was one problem — he wasn’t ready to part with his Bitcoins. Instead of selling, he used them as collateral for a loan, securing USDT to invest in high-yield DeFi projects. Every month, the profits rolled in. Soon, he repaid the loan entirely — without losing a single satoshi. His Bitcoins stayed safe, and his wealth grew.

Sebastian. The Smart Family Man

Sebastian dreamed of turning his house into a perfect family home, but cashing out his BTC in a volatile market wasn’t an option. He made a smarter move — secured a $ 25,000 loan against his BTC, funded the renovation, and transformed his living space. Loan repaid, home upgraded, and his Bitcoin stash still intact. A win on all fronts.

Always here

We constantly update you on your loan’s status so you never fall behind

We’ll send you a push notification and email
when you get close to your limit

Always a step ahead — we’ll notify you about the
limits in the app and via email

Always monitoring the situation
and keeping you posted with push notifications

Get up-to-date information
about your loan right on your screen

FAQ

Need help?

Our FAQ has answers to everything — even the meaning of life.

How does a crypto-backed loan work?
- Choose the amount and collateral currency (e.g., BTC) — it will be held until the loan is repaid or liquidated.
- Pick the loan term and amount in USDT.
- Confirm the loan and transfer the collateral to your EMCD wallet to receive USDT.
- You can repay anytime — just return the USDT with interest to get your collateral back.
What is LTV?
LTV is the percentage of your collateral’s value that you can borrow in USDT. For example, if BTC is worth $100,000, with an LTV of 50%, you can get a loan of 50,000 USDT. The lower the LTV, the lower the risk of liquidation.
What is liquidation?
Liquidation (or liquidation price) is the collateral value at which we close the loan. This happens when your LTV exceeds 95% — in that case, we use the collateral to repay the loan. You can avoid this by topping up your collateral or partially repaying the loan on time.
How long does it take to get a loan? And when will I get my collateral back?
You can get a loan in 15 minutes. Collateral is returned within an hour since most crypto is stored in cold wallets.
What should I do if the collateral price changes after taking a loan?
If the price drops, your LTV goes up — so does the risk. If it rises, your LTV decreases, and the risk level goes down
Where do we get our crypto rates from?
We use the average rate from 5 major exchanges like Binance and Huobi. Rates update every few seconds to reflect real-time market changes.

Get a USDT Loan Collateralized by Your Bitcoin

What are loans with collateral for?

Get a USDT Loan
Collateralized by Your Bitcoin

What are loans
with collateral for?