P2P lending of real money secured with Bitcoin collateral

P2P lending of real money secured with Bitcoin collateral

Safe and profitable for lenders and borrowers
Select what is interesting for you
I want to borrow money
I want to invest money
Do not sell BTC! Use BTC for as loan collateral

Get money for your current needs and keep your long and profitable investment position in BTC


Expected return on long-term BTC rate appreciation is higher than interest rate on loans. You may use borrowed money and benefit from BTC rate appreciation.


Borrow money quickly and conveniently. Place your loan application on your terms.


Manage your money anytime and in any place. Investment made in 5 minutes

Bitcoin is uniquely profitable investment instrument in modern world. Selling your bitcoin today will result in losing investment return on rate appreciation in the future.

You can place your loan application on your own terms (amount, period, interest rate, payment options (bank transfer, other electronic channels). At the end of the loan period, you may either repay the loan and retrieve your collateral BTC, appreciated during the period or let the lender take ownership of the collateral, essentially selling the collateral. The choice depends on your preferences and market situation.

SImple example. You have decided to buy a car. Your BTC appreciated high enough, so you could finance car purchase by selling the BTC.

Instead of selling you BTC, you may borrow money with reasonable interest rate of 10-15% pa, using your BTC as collateral for the loan. Evidently, BTC rate appreciated significantly more during the last year (in fact, over 250%). Without selling your BTC, you may earn a substantial return, probably even enough for the second car.

+ 278%
1 year BTC rate appreciation
15% annual
Average interest rate for loans on Biterest
+ 263%
Your profit after loan repayments
Media Quotes about bitcoin
  • Based on our model, we estimate that bitcoin's value per unit could be $20,000 to $55,000 by 2022. Investors should define strategies to gain from potential appreciation of BTC
  • From current levels, this has a minimum target that goes out to 3,212. There’s potential to extend as far as 3,915.
  • Bitcoin could hit $100,000 in 10 years, says the analyst who correctly called its $2,000 price
  • Legendary 67-year old investor Bill Miller holds 1% of his assets in Bitcoin
  • British Barlcays bank considers possibility of intregration of Bitcoin and other crypto currencies
  • $50,000 per Bitcoin within next decade: Standpoint research founder
Biterest interface: List of applications
How it works?
You place a loan application

When creating your loan application, the Borrower set the parameters at its choice (amount, interest rate, period, etc.). We recommend evaluating the parameters of other applications already placed on Biterest - lenders choose the most profitable applications for themselves.

You can choose when to secure a loan application with collateral. There are two available ways. On the one hand, you can place the collateralized loan application which is more attractive for creditors. On the other hand, you can transfer the necessary amount of the collateral after the lender accepts your application. When placing the loan application, you need to pay a transaction fee in amount of 0.5% of the loan amount depending on the loan period.

Lender accepts your loan application

All creditors guarantee to fulfill their obligations for the accepted applications. After the lender accepts the application, Biterest will generate a special multisig-address where your collateral (bitcoins) will be stored until the end of the loan period. Each party owns only one Private key for the multisig-address. Multisignature (multisig) refers to requiring more than one Private key to authorize a Bitcoin transaction. It guarantees that no one is able to access the collateral owning just one Private key.

The lender transfers the loan amount to you

You will receive the loan amount directly from the lender by payment option indicated in your loan application.

The entire procedure starting from placing loan application till receiving loan amount may take as less as couple hours, depending on how attractive your loan application to lenders, as well as on preferred option of money transfer.

Biterest interface: Access to collateral
What’s next?
You repay the loan amount and interest by the end of loan period

After repayment of the loan, you will automatically repossess the collateral. Before the loan is repaid, nobody can use your BTC as its securely deposited in special multisig-address.

You may decide not to repay the loan, if it’s not profitable for you

If BTC rate have not appreciated or declined, you may decide to refuse repaying the loan. In this case your collateral will be transferred to the lender and your loan obligation will be terminated.

Review description of how Biterest works in details
Learn more
No worries even if BTC rate drops

The lender will repossess the collateral BTC and will recover the loan amount by selling BTC on the market.

If necessary, Biterest can assist the lender in liquidating collateral position.

Famous people about bitcoin
  • What will happen if BTC rate will drop sharply?

    To protect lenders from short-term volatility of BTC, we apply loan to value ratio of 70%. In other words, the amount of collateral BTC should be 30% higher than total amount of loan and interest due, based on BTC rate on the moment of placing loan application.

    30% ratio is determined based on retrospective analysis of BTC rate fluctuations. 30% higher value of collateral is mutually beneficial for both lenders and borrowers. BTC rate is constantly appreciating, but the rate might be affected by sharp short-term fluctuations. Applying loan to value of 70% (30% higher value of the collateral over loan and due interest amount) guarantees stability of the transaction for both lenders and borrowers.

  • How Is defined loan period and interest rate?

    Loan period and interest rate are defined by borrowers when placing loan applications. Lenders can choose loan applications matching their investment expectations.

  • In what currency I can receive the loan?

    You can choose preferred currency while creating the loan application. Today, Biterest allows placing loan applications in more than 60 currencies.

  • By what option I can receive money for lenders?

    When creating a loan application, the Borrower chooses a suitable way to receive money. The following options are available: PayPal, QIWI, Webmoney, Yandex.Money, Bank card, International bank payment (Wire transfer). All possible fees for transferring money has to be paid by the sending party.

  • What is Biterest’s commission?

    The Biterest commission paid by the borrower is 0.5% of the annual interest rate.