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Unlock liquidity without selling

Get instant cash secured by your crypto in minutes

Turn your crypto holdings into instant cash and keep full exposure to your crypto.

Create Account
Fully regulated landing service
Bitcredit

Calculate your loan

You will instantly receive funds to your Emoney account.

No credit history needed
No office visits. Fully online, fast and convenient
Flexible terms. Special rates based on loan duration
Up to 50% LTV
BitCredit is registered by the National Bank of Georgia
Loan issuing entity (Registration No. SGS-0120268)
Loan
GEL
USD
Collateral
BTC
ETH
Loan Duration
Conntection problem info. Hidden
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Do more with your crypto while keeping it yours

Treat yourself to what you really want
Upgrade your tech, plan a trip, or get what you want — without using your savings.
Make big life moves
Use unlocked cash for a car, education, a home deposit, or any major life milestone.
Strengthen your financial flexibility
Cover expenses, manage bills, or simply keep your budget balanced during busy months.
Grow your business ideas
Fund operations, support your team, or launch something new with fast access to capital.
Be ready for the unexpected
Handle medical bills, repairs, or sudden costs without stress and without breaking your flow.
Keep your future intact
Get the cash you need while keeping your long-term plans safe and untouched.

Your Security, Our Priority

Secured with advanced encryption and full regulation. Your money stays safe, always.

Get Started in 4 Easy Steps

A simple, secure, and transparent process that gets you cash in minutes while your crypto stays safe.

1
Verify your Identity
Quick identity check (KYC) powered by Sumsub — secure, certified, and takes just a few minutes.
We don’t store your data. Verification is handled by a certified provider.
2
Transfer crypto to our platform
Send the required amount to your dedicated deposit address to secure your loan.
3
Receive cash
Once the collateral is confirmed, you instantly get cash to your Emoney card.
4
Want your crypto back?
When you're ready, repay the loan — your crypto becomes immediately available for withdrawal.
Get Started

We're always on the watch

We don't want you to lose your crypto, so we monitor your loan every moment of every day.
If your loan reaches any of three limit zones,we will immediately notify you about it by email and sms.

Repay at any time

No monthly payments, no deadlines, and settle whenever you want to.

Instant Payouts Directly to Your Card

Deposit crypto and get the funds on your card within seconds. No delays, no hassle.
Integrated with Emoney

One App. Infinite Freedom.

Meet the All Money Card, designed to shop, travel, andsend money anywhere.

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Provided by
Emoney

Buy & Sell Crypto

Buy, sell, receive, and send the most popular cryptocurrencies easily, all from one app.

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Provided by
MyCoins

Licensed Platform

Emoney is part of MyCoins, Georgia’s first licensed VirtualAsset Service Provider (VASP). We’re fully regulated. Holding both VASP and PSP licenses.

63,000+
Users
20+
Digital and Fiat Currencies
1,000,000+
Transaction per Year
18
Years of Experience

Trusted By

Great
Trustpilot 4 of 5 starts

Leadership Team

Beka Bochorishvili Photo
Beka Bochorishvili
Chief Executive Officer
Shota Ghvinianidze Photo
Shota Ghvinianidze
Chief Technology Officer
Eugene Orman Photo
Eugene Orman
Chief Operating Officer
Tornike Samniashvili Photo
Tornike Samniashvili
Chief Information Security Officer
Ekaterine Bekauri Photo
Ekaterine Bekauri
Head of Customer Support and Experience
Beka Bochorishvili Photo
Tsotne Gordeziani
Head of AML & Compliance Department.

FAQ

Quick answers and practical guidance to help you get the most out of your Bitcredit experience.

What is the minimum loan amount?
You'll need at least $200 in Bitcoin collateral to take a loan
What currency can I get my loan in?
Loans are funded in GEL and USD. USD for Georgian residents is available from 100k, this is a National bank's requirement. GEL loans are available in any amount starting from 280 GEL.
What is KYC?
KYC, or Know Your Customer, is a brief security form you need to complete to fully access all of Emoney's services. This process is a crucial step that ensures the ultimate protection of your account and all your assets.
Where do I receive my loan?
You'll receive your borrowed money to your Emoney's account, a licensed payment service provider. You can then transfer your funds to any external account. Alternatively, you'll be able to use your Emoney's Mastercard to spend all your funds anywhere in the world.
Is there a credit check?
No, we only take BTC or ETH as a collateral for your loan
What is the starting LTV?
It's 50% so it means that you get half of the market value in relevant fiat currency
What is the liquidation LTV?
It's 85%, the maximum loan-to-value ratio at which a collateralized loan is forcibly liquidated by the lender. If the collateral's value exceeds the loan + fees, the excess ("surplus") is returned to the borrower.
How can I be sure that my BTC holdings will be safe before I return a loan?
We use only highly-secured technologies for the user's collateral. We are custodian of customer's BTC holdings under the loan agreement which we sign in strict compliance with terms and conditions set by National Bank of Georgia.

Still have questions?

Our support team is always here for you. Chat with us or leave a request — we'll be happy to help.
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Digital Platform LLC, I/N 405449625, Legal address: Ilia Chavchavadze Avenue N29, Vake district, Tbilisi, Georgia, 0179, factual address: Marukhi Heroes Street, N 17, Tbilisi, Georgia, 0179. Georgia. Registered by the National Bank of Georgia as a loan issuing entity, registration number SGS-0120268.

Loan terms

Borrow Amount
$2323.23
Collateral
2342342 BTC
Term
14 Days
Interest Rate
23%
Effective Annual Rate
26.36%
Daily Interest
0.0630%
Daily Interest Increasing:
0.06 ₾
LTV
50%
Liquidation LTV
85%
Liquidation Price (BTC/GEL):
1 BTC=143,662.98
Loan Interest Expense
$2323.23
Apply for Loan