How It Works

Unchained Capital offers cash loans to US individuals and businesses who provide Bitcoin as collateral.


  • Use our website to complete an account and loan application in minutes. In most instances we can turn around a loan request in under a day.
  • Use your existing wallet to send collateral to your new loan’s vault address.
  • We will wire your disbursement to the bank account of your choosing.


  • Make monthly, interest-only payments.
  • If the value of your collateral drops by 25% we will request more collateral or a principal payment.
  • If the value of your collateral drops by 45% we have the right to repossess your collateral and sell it to recover principal and any outstanding interest.


  • Your final payment will include principal repayment. We will return your collateral to an address of your choosing.
  • Given sufficient collateral value, you may also renew your loan (with potentially new terms) and defer principal repayment.
  • Disclaimer: A $10,000 loan for 2 years costs $2,500 with $100 in monthly interest payments and one payment of $10,000 due at maturity with an Annual Percentage Rate (APR) of 12.57%.

Rock solid, peace of mind

We’re using industry best practices and a
solid and secure stack to protect your assets.

Wallet Security

We use unique per-customer, per-loan multisignature P2SH addresses for all collateral held in vaults. We use hierarchical deterministic (HD) hardware wallets to store our private keys on hardware devices and we use well-tested, industry-standard open-source software to author and audit our transactions.

Physical & Operational Security

We maintain an internal security policy and ensure that all personnel are trained to conform to it.

Our hardware wallets are in geographically-separated locations and must be simultaneously accessed to authorize spending. Wallet seeds are stored in physically secure locations separate from the wallets they restore.

Network Security

We employ high-level security throughout our IT infrastructure in accordance with PCI-compliance standards.

We operate within a secure, private, firewalled network. All data is encrypted en route to/from and within our environment (at motion as well as at rest) using industry-standard AES-256 encryption. We require two-factor authentication (2FA) to access all sensitive resources.

Employees are uniquely identified within our environment by a centralized identity management infrastructure. All access to all systems is controlled by this infrastructure and limited and minimal. We aggressively monitor all traffic to/from and within our environment and keep access, system, and application logs (tied to user/system/employee identifiers) indefinitely.

Start your application Unchain your cryptocurrency and apply for a loan now.

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