XRP-Backed Loans
Borrow AUD using XRP
Fast and easy XRP loans for Australians. Get AUD by borrowing against your XRP, while keeping your exposure to the XRP price.* See how much you could borrow. Go to XRP loans calculator ->
Trusted & Award Winning
Crypto-Backed Loans
Australia's XRP-Backed Loans
Hold XRP (Ripple), borrow AUD
Apply for a XRP-Backed Loan in Australia and borrow up to $50K AUD using your XRP (Ripple) as security. Borrow AUD within 24 hours of approval, maintain full exposure to the XRP price, and manage your XRP loan LVR directly in app. Here's how XRP loans work with Block Earner:
Borrow from $50 up to $50,000 AUD within 24 hours*- Access AUD funds of up to 25% of your XRP value
- Manage your loan and LVR via desktop or mobile app
- Maintain your exposure to the XRP price
Our XRP Line of Credit
Access fast, flexible AUD funding
Block Earner’s XRP-Backed Line of Credit is designed for Australian XRP holders that want to borrow AUD while maintaining long-term XRP (Ripple) exposure. Borrow against your XRP for up to 12 months, access AUD funds when you need them, and repay on your own schedule using AUD or XRP.
- Fixed interest rate for 12 months
- No minimum monthly repayments
- Repay anytime, no early repayment fee
- Top up security and redraw AUD in app
Avoiding XRP sell-offs
If your XRP loan goes into default, natural-person borrowers have 30 days to repay AUD or add XRP security to restore the health of their loan. If no action is taken within this period, Block Earner may automatically sell a portion of your XRP security to bring your LVR back to 40%. Here’s why Australian’s trust Block Earner loans:
Fireblocks security
Your XRP is held in Fireblocks custody, with whitelisted wallets and multi-signature security.
Australian Credit License
Authorised Representative (551024) offered under Australian Credit License (ACL 391876).*
30 Day Default Notice
Individuals have a 30-day grace period to restore LVR if needed, temporary dips won’t trigger action.
Top up. Redraw. Rollover.
Add XRP security to maintain LVR health. Borrow more AUD if your XRP value grows. Apply to rollover.
Australia-based support
Speak directly with our Sydney team for fast, reliable assistance. Our experts are here for you.
Min. Monthly repayments
$0.00 AUDRepay at anytime*
Origination fee
$0.00 AUD2% of loan amount*
Maximum interest
$0.00 AUD12 month loan term, assuming no early repayments*
- Total Interest
- 2% Origination Fee
- Loan Amount
*Approved applicants only. Terms, conditions, fees and charges apply. *The rate provided above is indicative and your rate may be different based on a variety of factors, including your credit worthiness. Rates are subject to change. ^The comparison rates are based on a secured loan of $10,000 over a term of 3 years. The comparison rate provided includes a 2% origination fee. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 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.T&Cs apply.
Why choose Block Earner?
Borrow AUD without selling XRP
Australians no longer have to sell their XRP to fund businesses, buy homes, or take holidays. Borrow using your XRP wealth today with Australia’s best-in-class risk management tools, designed to help keep your LVR healthy.
- Default Notice at 50% LVR gives 30-day to restore LVR if needed
- Avoid crypto sell-offs, temporary dips won’t trigger action
- Australian Credit Licensed (ACL) authorised representative
- Top up XRP or repay in AUD to keep your LVR healthy
XRP car loans
Buy your dream car, or cover unexpected costs
XRP travel loans
Pay for travel with a XRP-Backed Loan
Debt consolidation
Simplify and manage your debt more effectively
Home renovations
Crypto Home Loans to buy or renovate your property
University loans
Invest in your education to build a bright future
Weddings
Handle the expenses for any special occasion
Download Loans Guide
Award-winning crypto loans
As an Australian Credit Licence authorised representative, Block Earner provides crypto lending in Australia with user-friendly in app loan-to-value (LVR) management. Download our loans guide or book a call to learn more.
WeMoney Winner
2024 Lending
Innovation Of The Year*
How to borrow against XRP?
Monitor your loan-to-value ratio (LVR) anytime via our desktop or mobile app. Stay informed with in-app LVR health notifications, emails, and SMS updates, plus a weekly summary of your XRP loan status.
You can use XRP or repay in AUD to maintain a healthy LVR. You can repay your XRP-Backed Line of Credit on any schedule or in full at the end of the 12-month term.
If your LVR reaches 50%, you will receive a Default Notice via email. You will have 30 days to bring your LVR below the Repayment Notice level. If no action is taken within this period, after 30 days, we will sell a portion of your XRP security to reduce the LVR back to the Repayment Notice threshold.
Fast settlements
Get AUD within hours of approval, straight to your bank account.
Low Fees. Fixed rates.
2% origination fee, fixed interest rates, repay on your own schedule.
No early repayment fees
Flexible repayment terms provide access to AUD when you need it.
Maintain XRP exposure
Keep your exposure to XRP price movements while you borrow AUD.
5.0
"Excellent service, rates and user experience... From depositing crypto to money in my bank took less than 24hrs... Would recommend and use again in future."
5.0
"Great way to consolidate loans. Straightforward with keenly priced interest rates."
5.0
"Getting a btc backed loan was easy and fast. Congrats to the team for their excellent level of service."
- 1.
Apply for loan
Borrow up to 25% of the value of your XRP security
- 2.
Get Approved
Pre-approval is available before sending XRP for your loan
- 3.
Receive AUD
Receive AUD directly to your bank account within 24 hours*
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Additional information
*Approved applicants only. Terms, conditions, fees and charges apply. *The rate provided above is indicative and your rate may be different based on a variety of factors, including your credit worthiness. Rates are subject to change. ^The comparison rates are based on a secured loan of $10,000 over a term of 3 years. The comparison rate provided includes a 2% origination fee. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 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. *Capital is not covered by the Australian government deposit guarantee. For more info please see our Terms of Use and FAQs. Winner of 2024 WeMoney Lending Innovation of the Year award for our Crypto-backed Loans. Winner of 2024 FinTech Australia Excellence in Blockchain/Distributed Ledger, Winner of 2024 Digital Economy Council of Australia ‘Blockies’ Financial Services Innovator of the Year, Winner of 2025 FinTech Australia Excellence in Web3 (Blockchain or Crypto), Winner of 2025 Finder Innovation Awards Most Innovative Team, Tech Innovation and Digital Assets & Web3 Innovation. NB: These awards are for Block Earner’s full suite of products and not specifically the XRP-Backed Loans product.