Question 1

What is a crypto-backed loan?

Accepted Answer

A crypto-backed loan lets you borrow funds using eligible digital assets as collateral, rather than selling those assets outright.

Question 2

What is the minimum loan amount?

Accepted Answer

Loans start from $5,000. There is no fixed upper limit; larger facilities are reviewed individually once your account and collateral are verified.

Question 3

How long can a loan term be?

Accepted Answer

Terms run from 1 to 48 months. You pay interest monthly at the current 12.5% APR and repay the principal at maturity, with the option to settle early at any time.

Question 4

How does the loan process work?

Accepted Answer

Create an account, verify your email and complete identity verification, then choose an asset, amount and term. We show your final terms and a dedicated deposit address; once your collateral is confirmed on-chain, the loan is disbursed to your bank account.

Question 5

Are calculator estimates final loan terms?

Accepted Answer

No. The calculator uses live market prices and current rates to give an indicative figure. Your final terms, including the exact collateral quantity, are locked when your loan is issued.

Question 6

Who can apply for a loan?

Accepted Answer

Individuals who pass identity verification and are located in a supported jurisdiction, as well as companies, funds and treasuries that complete institutional onboarding.

Question 7

What information do I need to apply?

Accepted Answer

A verified email address, a government-issued ID for identity verification and the details of the bank account that should receive your funds. Institutions also provide company documentation.

Question 8

When will I receive my final loan terms?

Accepted Answer

Final terms are shown for review before you transfer any collateral. They are confirmed the moment your deposit is verified and the loan is funded.

Question 9

Can I apply as an institution?

Accepted Answer

Yes. Funds, treasuries and corporates can open institutional accounts with tailored limits, reporting and dedicated support.

Question 10

Is Arvexo available in my region?

Accepted Answer

Availability depends on local regulation. You will be told during onboarding if your jurisdiction is not yet supported.

Question 11

Which assets can I use as collateral?

Accepted Answer

Arvexo currently accepts BTC, ETH, SOL, BNB and HYPE. Each asset has its own maximum loan-to-value ratio, margin call level and liquidation threshold.

Question 12

What does LTV mean?

Accepted Answer

Loan-to-value is the ratio between the amount you borrow and the market value of the collateral securing it. At 70% LTV you can borrow up to $70 for every $100 of collateral.

Question 13

What is the maximum LTV for each asset?

Accepted Answer

Maximum origination LTVs are 70% for BTC, 65% for ETH, 60% for SOL, and 55% for BNB and HYPE. You can always choose a lower LTV by posting more collateral.

Question 14

How is the required collateral calculated?

Accepted Answer

Loan amount divided by the current price of the asset and its maximum LTV. For a $10,000 BTC loan at 70% LTV you would post roughly $14,300 worth of BTC. The calculator shows the exact quantity for any amount you enter.

Question 15

What happens if the price of my collateral falls?

Accepted Answer

Your LTV rises. We notify you as it approaches the margin call level so you can add collateral or repay part of the loan before any action is required.

Question 16

What are the margin call and liquidation thresholds?

Accepted Answer

A margin call is triggered at 80% LTV for BTC, 75% for ETH, 72% for SOL, and 68% for BNB and HYPE. Liquidation thresholds are 85%, 82%, 80%, 78% and 78% respectively. Both are fixed at origination for the life of your loan.

Question 17

Can I add collateral during the loan?

Accepted Answer

Yes, at any time. Additional deposits to your loan address lower your LTV as soon as they are confirmed on-chain.

Question 18

Can I withdraw excess collateral?

Accepted Answer

If prices have risen and your loan is healthy, you can request a release of collateral from your dashboard, as long as the remaining position stays within your origination LTV.

Question 19

How long does approval take?

Accepted Answer

Email and identity verification usually complete within minutes. Your loan is funded once the collateral deposit reaches the required number of network confirmations.

Question 20

How do I receive the loan?

Accepted Answer

Funds are disbursed in USD by bank transfer to the verified account on your profile.

Question 21

Are there any fees?

Accepted Answer

Interest accrues at the APR shown in your terms, currently 12.5%. Any one-time origination fee is displayed in your quote before you accept. There are no account or maintenance fees.

Question 22

Can I have more than one loan?

Accepted Answer

Yes. Each loan has its own collateral, term and LTV, and is monitored independently.

Question 23

Where can I track my loan?

Accepted Answer

Your dashboard shows outstanding balance, accrued interest, current LTV, live collateral value and every transaction in real time.

Question 24

Can I change the loan amount or term after applying?

Accepted Answer

Terms are fixed once a loan is issued. You can repay early at any time, or open a further loan against additional collateral.

Question 25

How will I be notified about my loan?

Accepted Answer

You receive email notifications for payment reminders, deposits, LTV warnings, margin calls and repayments. Everything is also logged in your dashboard.

Question 26

Where is my collateral held?

Accepted Answer

Collateral is held with an institutional custody provider in segregated wallets. It is never lent out, traded or rehypothecated.

Question 27

How do I verify my account?

Accepted Answer

Confirm your email address, then complete identity verification with a government-issued ID. Both steps are required before you can borrow.

Question 28

How is my account protected?

Accepted Answer

Encrypted connections, verified email, strong password requirements and continuous monitoring of every login and transaction.

Question 29

Can I change my email or password?

Accepted Answer

Yes, from the account section of your dashboard. Changes are re-verified for your safety.

Question 30

Who can see my personal information?

Accepted Answer

Only the Arvexo team members who need it to operate your account and our regulated identity verification partner. We never sell personal data.

Question 31

Can I withdraw my collateral to any wallet?

Accepted Answer

Yes. Withdrawal requests are sent to the destination address you provide and released by our operations team after review. You are emailed as soon as the transfer is sent.

Question 32

How do repayments work?

Accepted Answer

Interest is due monthly and the principal at maturity. Each payment carries a unique reference so it is matched to your loan automatically.

Question 33

How do I make a payment?

Accepted Answer

Your dashboard shows the amount due, the bank details and a unique payment reference. Pay by bank transfer and we mark it as received once it clears.

Question 34

Can I repay early?

Accepted Answer

Yes. You can settle part or all of the loan at any time from your dashboard.

Question 35

Is there a fee for early repayment?

Accepted Answer

Any applicable early repayment fee is shown in your payoff quote before you confirm.

Question 36

What happens when I repay in full?

Accepted Answer

Your loan is closed and your collateral is released to a wallet of your choice.

Question 37

What if I miss a payment?

Accepted Answer

We will contact you straight away. Unpaid interest is added to your balance and raises your LTV, so acting quickly keeps your loan healthy.

Question 38

What happens if my loan is liquidated?

Accepted Answer

If your LTV reaches the liquidation threshold and is not brought back within limits, enough collateral is sold to restore the loan to a healthy position. Any remaining collateral stays yours.

Clear Answers Before You Borrow

Unlock Value From Your Crypto — Without Selling It