Trusted Partners

Borrow against your BTC or ETH: Simplified cash flow solutions

Borrow against your BTC and ETH holdings. With Vield, you can access liquid funds without parting with your valuable digital assets. We simplify borrowing with an intuitive interface, offering swift approvals, and expedited disbursement of funds.

Loans starting from $2,000 AUD

LVR of up to 50%

Loan terms for a maximum of 12 months (Tailored to your needs)

Trust and transparency redefined

We offer trust and clarity for users by ensuring every loan collateral is transparently recorded on the blockchain. Vield will never move or trade your crypto. You have 24/7 visibility access to your assets.

🇦🇺 As an Australian crypto platform, we have obtained relevant authorisations to comply with local regulations. Credit Representative 553950 under Australian Credit License 526970

Full visibility access of your crypto assets

You're in good company

Testimonials from the community

"I've held a small amount of crypto that I don't want to sell. After using Vield, I was able to fund my research project without selling my crypto. Thanks guys."

Jason Peter

HealthTech Researcher

"The communication with Vield was easy and simple. Johnny and Alex are down to earth and helped me understand how to access funds."

P Jacobs

Product Manager

"Needed to fund my wedding and some new tools and needed access to cash. Putting up my crypto without selling was a no brainer and the Vield team were really easy to get set up with. "

Shane Foskett

Commercial Plumber

How it works:
Crypto-backed AUD loans simplified


1. Sign up and complete ID verification

Register an account and verify your identity using your Australian photo ID or Australian passport.


2. Calculate your desired loan amount

Use our loan calculator to determine how much you can borrow with your desired BTC or ETH deposit.


3. Deposit BTC or ETH securely to your Vield private wallet

Deposit your desired BTC or ETH into a private wallet that you will have 24/7 visibility access to on the blockchain. We will never move or trade your crypto. It stays in the wallet at all times.


4. Approved access to capital

Once approved, you will have access to capital ready to withdraw directly  to your bank account.

Frequently Asked Questions

What are crypto-backed AUD loans?

Crypto-backed AUD loans allow you to deposit crypto as collateral, and borrow Australian Dollars against your security/collateral. Similar to how traditional banks recognize property, gold and other assets, banks may give you a loan against these assets as a means to unlock cash/liquidity.

Which coins can I use as collateral with Vield?

At this stage, Vield will only accept Bitcoin (BTC) and Ethereum (ETH) as collateral. More coins in the future will be added. Please feel free to get in touch with us if you’d like to see other assets added.

What are the minimum/maximum loan sizes I can borrow?

You can borrow a minimum of $2,000 and up to a maximum of $500,000 for a term of 12 months.

How long can I borrow for?

At this stage, Vield’s standard terms are 12 months. If you are looking for something more bespoke, we may be able to accommodate. Please reach out to

What does LVR stand for?

LVR stands for Loan-to-Value-Ratio; this metric is key to understanding how Vield loans work. The formula for LVR is “total outstanding amount borrowed (including any accrued interest & fees) / market value of collateral) * 100”.

Vield issues loans up to a 50% LVR. If and when LVR reaches 65%, Vield will provide warnings notifying you to keep an eye out on your LVR ratio (and displayed in the Web portal/App). At 75% LVR, Vield will ask you to make a repayment whereby you would be required to pay-down some of your outstanding Loan to bring down your LVR to 65% or lower. You have the choice of also depositing more collateral to which would also bring your LVR down (your collateral will not be liquidated in this scenario). You have 3 business days to bring your LVR back into good standing (i.e. 65% or lower) otherwise you may be issued a notice of default.

At 85% LVR, Vield will issue you a default notice at which point, you will have 30 days to pay down the entire outstanding loan amount. Upon full repayment, Vield will release the collateral back to your nominated wallet address and your loan agreement will be terminated. You have the option of using the collateral to pay down the outstanding loan amount with any difference being returned back to you in BTC/ETH.If, after you’ve been issued with a default notice and the LVR of your outstanding loan has improved to 65%, the notice will be void and your loan will be in good standing.

If no re-payment is made, Vield may at its discretion, retain the collateral in the wallet to cover the outstanding debt.

You may consent to Vield selling your BTC automatically to prevent you from defaulting on your loan.