Biterest is a peer‐to‐peer technology for borrowing and lending money secured with BITCOIN, a new high-quality liquid asset. We help investors to make higher returns while helping bitcoiners to get money without selling BTC. Our aim is to match bitcoiners with investors efficiently.

why lend money secured with BTC?


A loan secured with high-quality liquid asset which can be easily and quickly converted into cash


Compared to a bank deposit, giving out a loan secured with BTC makes a significantly higher return


If the borrower doesn't return money, you will receive Bitcoins. The BTC rate has increased by 900% in this year


Choose a loan that suits your needs according to loan amount, period, annual interest rate and payment options


Loan collateral in BTC is stored using a Multisig-address. No-one can get access to use it during a loan period


If the initial market value of collateral decreases by the discount rate, Margin Call will occur. The loan period will be end


STEP 1: SIGN UP and choose a loan

Create an account It only requires an e-mail address. Then choose a loan application from the list. Each application is already secured with collateral. Important to note, the amount of collateral in BTC depends on the discount rate. The higher the discount rate is, the lower the risk of Margin Call will be.

STEP 2: top-up your transaction fee balance

Top-up transaction fee balance to be able to accept selected loan application. The amount of deducted transaction fee is 2.5% of the loan amount. Topping up the transaction fee balance increases the lender's responsibility level.


Create Public and Private keys to get access to the collateral or upload your existing Public key. Keep your Private key until the end of the current loan period.

STEP 4: TRANSFER the loan amount directly to your borrower

Payment details and transfer options are indicated in each loan application. Borrowers are responsible for providing correct information. Lenders are responsible for transfering the specified amount in accordance with provided payment options.

STEP 5: verify collateral is registered in the blockchain

After a loan application is accepted, Biterest creates a MultiSig-address using your Public key, your borrower's Public key and own one. The collateral BTC will be stored using that MultiSig-address by the end of the loan.

STEP 6: Receive money back

The borrower repays your loan and interest by the end of the loan period. If the borrower doesn't repay the loan on time, you will become the owner of highly liquid collateral. We will send you the necessary keys to get access to the BTC collateral which is stored using a Multisig-address.

What investors are saying about Bitcoin

Mike Novogratz,
Galaxy Investment Partners

“This is not going away. I’m pretty confident to say it’s going higher. It would not surprise if in the next six to 10 months we’re over $10,000.”

Bill Gates,
Co-Founder of Microsoft

“Bitcoin is a technological tour de force. Bitcoin is unstoppable!”

Tim Draper,
Co-Founder of DFJ venture capital firm

“In five years Bitcoin and other cryptocurriences will be so relevant. There will be no reason to have the fiat currencies.”

Eric Schmidt,
CEO Google

“Bitcoin is a remarkable cryptographic achievement in the digital world has enormous value.”

Richard Brenson,
Founder of Virgin Group

“I invested $30 million in BITCOIN Start ups because I believe in its potential!”

Al Gore,
45th Vice President of the USA

“I am a big fan of Bitcoin. The fact that within the Bitcoin universe an algorithm replaces the functions of the government is actually pretty cool.”


You have to transfer the loan amount in the currency indicated in the loan application. Biterest now allows placing loan applications in more than 60 currencies.
Biterest is a peer-to-peer (P2P) platform which connects two independent users. Biterest doesn't lend or borrow money itself. Your borrower will be a bitcoiner who is looking to get money for current needs without selling the Bitcoins.
There are available the following money transfer options: PayPal, QIWI, Webmoney and international bank transfer. The transfer options are selected by the borrower as part of the loan application. You have to send money in the way indicated in the loan applications. Money transfer fees are covered by the sender of the payment.
The interest rate, loan period, transfer options and currency are defined by the borrower upon placing the loan application. You can then choose a loan application that matches your investment expectations. When searching for applications you can refine your selection by specifying the preferred loan period, interest rate, transfer options and currency that suit you.
No-one is able to use collateral Bitcoins until the end of the loan period. They are stored using a reliable Multisig-address which requires at least 2 keys to get access to Bitcoins. Each of the three users (you, your borrower and Biterest) owns only one neccessary key.
To protect lenders and borrowers from the short-term volatility of BTC, the amount of the collateral in Bitcoins depends on the discount rate. The higher the discount rate is, the lower the risk of Margin Call will be because of a sharp depreciation in the value of Bitcoin. A borrower can modify the discount rate of each loan application by themself. The discount rate can be varied from 1% to 99% (more than 30% reduces the risk of Margin Call to the minimum level).
You are be able to sell collateral BTC on BTC-exchanges, online money-change sites or you may contact Biterest support for assistance. We can assist you in liquidating collateral position.

Read more how biterest works


The transaction fee is only 2,5% of loan amount