Loans
Real People, Real Results: How Aussies Are Using Crypto-Backed Loans
21 May 20255min
Your crypto can do more than sit in a wallet. With Block Earner Crypto-backed loans, you can access real-world capital without selling your Bitcoin, Ethereum or Stablecoins.
From growing businesses and buying property to paying off debt or even booking that holiday, the home of Australia’s crypto-backed loans, Block Earner is helping Aussie crypto holders bring crypto back to life.*
Using Digital Gold to Pour Liquid Gold
Grow Wealth Without Selling Bitcoin
Expanding your business doesn’t have to mean giving up your crypto. With a crypto-backed loan, businesses and entrepreneurs can unlock working capital without liquidating their crypto holdings.
Whether you're scaling a hospitality venture, launching a new product, or investing in infrastructure, using your digital assets as security offers a tax-efficient, low-friction way to fund growth. Here’s how one Block Earner customer used a crypto-backed loan to move currency and scale his business:
The Challenge
Back in November 2023, one customer operating a hospitality business in Japan used BTC to bring revenue back on shore to Australia. He wanted to invest in multiple venues — both in Australia and a Japanese ski resort — but discovered that he didn’t want to lose his BTC exposure.
Traditional bank transfers were slow, involved multiple steps, high FX fees, and would have triggered unwanted capital gains, making them an inefficient option for cross-border expansion.
A crypto-backed loan enabled them to:
-
Access capital without selling BTC
-
Secure multiple venues domestically and abroad
-
Maintain full BTC exposure during the loan term
The Outcome
-
Bitcoin’s value doubled in 2024
-
Loan repaid using only ~50% of the original BTC security
-
~$3 million AUD profit (before property value growth)
-
Still holding the remaining BTC
Growing the Estate with a Crypto-Backed Line of Credit
Banks Ignore Crypto Wealth — We Don’t
Buying property with crypto is the dream — now it’s a reality.
Crypto-backed home loans offer a smarter way to secure bridging finance or deposit funding, especially when banks refuse to acknowledge digital wealth. Whether you're purchasing a primary residence or expanding your investment portfolio, using your crypto as security can fast-track your property goals while keeping your holdings intact.
Here’s how one Block Earner customer used a crypto-backed loan to buy real estate:
The Challenge
Traditional banks wouldn’t recognise users BTC as an asset, limiting the borrower’s ability to finance two homes in Northern Queensland.
Block Earner provided:
-
Bridging capital covering ~50% of the property value
-
BTC used as collateral — no need for fiat deposits or crypto sales
-
No impact on serviceability thanks to overcollateralised loan structure
The Outcome
-
Borrower secured two residential properties
-
Maintained full crypto position
-
Flexibility to close the loan at any time using the BTC held as security — no out-of-pocket cost
Clearing the Slate
Consolidate Debt Without Selling Your Bitcoin
Dealing with credit card debt while your crypto sits idle? With a crypto-backed loan, you can consolidate high-interest liabilities without cashing out your crypto. Savvy borrowers are utilising their digital wealth to pay off credit cards, personal loans, and other obligations at lower fixed rates.
Here’s how one Block Earner customer used a crypto-backed loan to settle his credit card debt:
The Challenge
Matt had racked up $18,000 in high-interest credit card debt. It made sense to refinance using Block Earner to both release value from his crypto and to pay a smaller interest rate.
Block Earner provided:
-
Quick AUD access using BTC as security
-
Lower interest rate compared to credit cards
-
No need to sell crypto
The Outcome
-
Credit card debt cleared in one transaction
-
Reduced ongoing interest burden by 60%
-
Crypto holdings remained untouched, with long-term value intact
Holiday Without the Hangover
Travel Now, Keep Your Crypto
Planning an amazing holiday doesn’t have to mean dipping into your savings or selling your crypto at the wrong time. With a crypto-backed loan, Aussies can access fast AUD funding using their crypto — keeping their long-term investments intact while enjoying the trip of a lifetime.
Here’s how one Block Earner customer used a crypto-backed loan to fund his family's big Greek vacation:
The Challenge
Greg wanted to take the wife and kids on a European summer trip but didn’t want to burn savings or sell BTC during a dip.
Block Earner provided:
-
$25,000 AUD loan secured by ~$50,000 in BTC
-
Rapid payout — booked flights that same day
-
No hidden fees or early repayment penalties
The Outcome
-
Enjoyed a stress-free holiday, with real-time LVR notifications via SMS, email, and in-app alerts on both mobile and desktop — so you're always in control
-
Repaid the loan in 6 months using AUD and crypto
-
Their Bitcoin appreciated while they were away — the holiday literally paid for itself
Putting Crypto to Work
You've Built the Wealth — Now Enjoy the Freedom
Crypto-backed loans let you fund the finer things without selling your crypto. Block Earner makes it easy to get started — you can borrow as little as $50, making it perfect for first-timers wanting to test the waters.
The Challenge
Mark, a semi-retired BTC holder, wanted to join a premium golf club and treat himself to a brand-new driver and putter featuring the latest tech. Curious about crypto-backed loans, he decided to test the waters with a $2,000 loan for the clubs. After a seamless experience, he followed it up with a $25,000 loan to secure a full golf membership at one of Australia’s nicest golf clubs.
Block Earner provided:
-
$2,000 AUD loan for new clubs
-
$25,000 AUD loan for golf club membership following a seamless top-up of BTC security
-
Same-day approval, no paperwork headaches
The Outcome
-
Upgraded his gear and secured gold club membership
-
Enjoyed the lifestyle boost without touching savings
-
Repaid both loans within the year — BTC still in hand and worth more than ever
Why More Aussies Are Choosing Block Earner
Block Earner is the home of Australia’s most accessible crypto-backed loans.
- Same-day AUD to your bank
- Maintain crypto exposure, borrow up to $5 million AUD
- Transparent fees and fixed rates
- No penalties for paying off early
- Local support from a team that gets it
Whether you're building wealth or enjoying it, Block Earner puts your crypto to work — without ever giving it up.
Ready to unlock the value of your crypto?
Apply Now to Get Started Today Or Book a Call With Our Team
*Disclaimer: This blog is for informational purposes only and does not constitute financial, legal, or tax advice. The scenarios presented are based on real customer experiences but may not be representative of your own situation. You should not rely on this information to make investment decisions. Always consider your personal circumstances and consult with a qualified professional before taking out a loan or making financial decisions involving cryptocurrency.
Approved applicants only. Terms, conditions, fees and charges apply. Credit provided by Web3 Loans Pty Ltd ACN 668 516 952 and managed by Web3 Ventures Pty Ltd trading as Block Earner (ACN 655 090 869) authorised representative 551024 of Mortgage Direct Pty Limited ACN 075 721 434 Australian Credit Licence 391876.
