Crypto-Backed Loans
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Our B2B2C crypto-backed loans allow borrowers access loans in local fiat currency, without selling crypto.
See how we can work together
Powering up your crypto-backed loans
Block Earner supports BTC, ETH, XRP, USDC and USDT-backed loans. Borrowers can maintain exposure to potential upside while unlocking liquidity. Loans are issued in AUD (for the Australian market) or equivalent USD for US partners.
From plug & play to fully custom API integration
Annual percentage rate (APR)*
11.93% p.a.
Fixed rate for 12 month
Interest rate*
9.50% p.a.
Fixed rate for 12 month
Black Label: Co-Branded
Plug-and-Play Interface
Ideal for a quick-to-market lending solution
Users login as normal through your platform, are redirected to the co-branded portal upon clicking on Loans in-app. They can deposit and withdraw cash and crypto, apply for loans and manage repayments within the co-branded experience. Gain a new revenue line while serving your customers more comprehensively.
White Label: Fully Custom
API Integration
For full control of the user experience
Allows partners to build a completely native UI/UX while Block Earner powers the backend via APIs. Customers never leave the partner's app; they apply for a loan and manage repayments within the platform's own interface. Block Earner handles loan origination, risk management and custody.
Crypto → Local fiat currency
Let your customers borrow up to $10 million within 24 hours of approval. Block Earner makes it easy for customers to manage their loan-to-value ratio (LVR), track their loan balance, and repay using dollars or crypto.
Supported coins
Supported coins
Borrowers have access to real-time dashboards showing outstanding balances, collateral value and LVR health. Automated alerts notify users to repay with cash or top up collateral when market movements raise the LVR.
Product market fit
Crypto-backed lending meets both user and business needs. Offering loans helps to drive trade volume, attract new users and generate market agnostic revenue.
Liquidity without selling
Users access fiat currency without selling assets, maintaining their crypto exposure.
Top up & redraw
Users can easily top up crypto collateral or redraw more cash if crypto value increases.
Low fees & fixed rates
Users understand upfront fees and costs, with repayment flexibility and no exit fees.
Flywheel revenue
Partners generate consistent revenue through loan originations (2%) and interest repayments.
Attract new users
Loan customers are 150%+ more valuable, more engaged, and more loyal.
Go to market fast
Launch in weeks, not months with plug & play co-branded or API integrations options (3-6 months).
Reviews & feedback
“What's not to love?!?! I love the layout of the dashboard, it's clear and simple. Funds go to and from my bank account easily. When I've needed support it's been there. Thank you.”
Customer Review (AU)
Jul 2025
“Great Australian company with great local support.”
Customer Review (AU)
Jul 2025
“Block Earner are awesome - I've been using them for two years and they've been super reliable, trustworthy and efficient. I would recommend them to anybody and thank you.”
Customer Review (AU)
Jul 2025
“I'm super happy with Block Earner, I can grow my savings, borrow money and HODL. These are really clever products. The Block Earner team want their customers to prosper.”
Customer Review (AU)
Mar 2025
“Crypto backed AUD loan. Money in the back in < 24hrs. One of few places where you can get a crypto backed loan in Australia. The process was simple and straight forward, 100% online, and money was in my account in under 24 hours from application. The ability to manage your LVR and flexible repayment options are great.”
Customer Review (AU)
Dec 2024
“Booked call re BTC backed loans, transparent and informative conversation. Account set-up, verification process and loan application was the most clear and seamless I have experienced - you could easily set this up without any support - the vast majority of questions I asked during my call were answered during the set up of my account and loan application. A user friendly, easy to navigate interface also.”
Customer Review (AU)
Mar 2025