Borrow against your Bitcoin and Ethereum,
with full transparency of your assets.

- Annual interest rate as low as 13%*
- Loans starting from $2,000 AUD
- Loan-to-value ratio (LVR) of up to 50%
- One-time 2% origination fee on loan size
- Loan terms for a maximum of 12 months (Tailored to your needs)

*Rates and terms are subject to change. Other terms and conditions may apply. Comparison Rate is 13.84% p.a. The comparison rate is based on a $5,000 secured loan for a term of 12 months.  WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

1. Transparent

We refrain from engaging your assets with DeFi platforms or hedge funds to secure liquidity. Instead, we opt for borrowing from private lenders, ensuring your assets remain safely in your wallet throughout the loan period.

2. Trust

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

3. Convenience

Bid farewell to tedious loan approvals and credit checks. Vield delivers rapid approvals and same-day settlement, meeting your financial needs at the speed of crypto.

Cryptocurrency Lending: Instant Flash Loans

At, we understand the urgency and the importance of accessing liquidity in a timely manner. That's why we offer instant crypto collateral loans with quick approvals.

Loans starting from $2,000 AUD

LVR of up to 50%

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

Crypto loan calculator

Looking to find out your borrowing power?

Calculate how much you can borrow using BTC or ETH as collateral calculated at a maximum 50% LVR. Origination Fee is calculated as one-time 2% on borrowed amount.

Simply enter your crypto balance, choose your preferred loan terms, and our calculator will provide you with a detailed breakdown of your loan amount, interest rates, and repayment options.

Sign up for free to calculate your loan size today.

Versatile personal loan uses

Bitcoin Mining

Provide miners with immediate liquidity  to retain your assets while covering operational costs., manage cash flow efficiently during price volatility and invest in scaling your mining operations.

Learn more

Debt Consolidation

Streamline your financial obligations by consolidating all your existing debts into a single, manageable loan, backed by your cryptocurrency assets.

Learn more


Address your health needs promptly. Our straightforward and compassionate financing solutions ensure you can focus on recovery and prioritise your health.

Learn more

Home Renovations

Transform your home into the space you've always desired. Leverage your crypto assets to fund your home improvements and renovations.

Learn more

Property Purchase

Leveraging your digital assets to unlock the doors to your dream home, or investment property.

Learn more

Tax Obligations

Immediate liquidity to prioritise tax obligations, without the need to sell cryptocurrency assets, prioritising tax obligations.

Learn more


Embark on your next adventure without financial constraints, thanks to our loans secured by cryptocurrency. Experience hassle-free financing with quick approvals.

Learn more


Drive your vehicle sooner with our crypto-backed loans. Enjoy competitive interest rates and flexible repayment terms, all secured by your digital assets, making the path to owning your vehicle smooth and straightforward.

Learn more

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

Trusted Partners

How it works:
Crypto-backed AUD loans simplified


1. Sign up and complete ID verificaiton

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 cryptocurrencies 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.

How is my loan amount determined?

If you are depositing 1 BTC (at a value of $50,000), then you may request for a loan amount up to $25,000 (less any fees).

What fees are there?

Vield charges a 2% origination fee at inception of the loan. For example, if you request for a $50,000 loan, the origination fee would be $1,000 which will be deducted from the loan amount and $49,000 will be deposited to your nominated bank account.

What is the interest rate Vield charges?

At launch, the rate is 13% APR. Interest is compounded daily.

What are the repayment terms?

You will be required to re-pay the interest quarterly (i.e. accumulated interest due at 3 months). You will also be required to make additional repayments if your LVR hits 75% to bring your LVR back to 65%.

What happens if I miss an interest repayment?

You may be considered in default; Vield may retain a portion of your collateral to cover the interest repayment. A default notice may be issued to you and you have 30 days to pay down a portion/all of your outstanding loan.

Is there a grace period for me to settle the repayments?

You have 3 business days to bring your LVR back to 65% or better once LVR reaches 75%. At the end of the loan term, you will have 5 business days to repay back the final interest payment and principal.

What happens if the market value of my collateral drops because of market conditions?

If LVR exceeds 85% at any point in time, you will be issued with a default notice and have 30 days to pay down your outstanding loan and any fees & interest payments. If the total outstanding amount is not settled, Vield will retain your assets to cover the total outstanding amount (including any interest).

You may consent to Vield to retain the BTC prior to LVR reaching 85% such that you will not be issued a default notice.

How does Vield secure my assets?

Vield uses a third party multi-signature wallet. You will have a unique address with Vield, and the assets will remain in that wallet for the duration of the loan.

What does Vield do with my assets?

Vield does not rehypothecate your assets – your assets will remain in your dedicated wallet with Vield for the duration of the loan. You may track your assets on the blockchain to ensure full transparency.

Is Vield authorised to issue out AUD loans?

Vield Capital Pty Ltd is a credit representative (no. 553950) of LSL Alternative Credit Pty Ltd (no. 526970). The issuer of the loans is LSL Alternative Credit Pty Ltd and Vield Capital acts as the distributor.

What is KYC (Know Your Customer)?

KYC is a due diligence process used to verify customer identity. KYC ensures customers are genuinely who they claim to be.

Why do I need to complete KYC?

Vield Capital operates under an Australian Credit License and we are required to comply with AML/CTF (anti-money laundering and counter-terrism financing) laws.

How long will it take for my account to be verified?

Becoming verified is usually a quick process but in some cases can take a few days to complete. Please allow 24 hours before contacting support in relation to the status of your verification.

Why does Vield require information about my income and household expenses?

At Vield, we are committed to responsible lending. Collecting detailed information about your income and expenses helps us assess your ability to repay the loan comfortably without compromising your financial stability. This approach ensures that you do not face financial hardship as a result of taking out a loan with us.

What type of information does Vield collect during the loan application process?

We collect information including, but not limited to, your income sources, household expenses, and the latest three months of your bank statements. This helps us make an informed decision about your loan application and offer you the most suitable loan solutions.

How does collecting my financial information help prevent financial hardship?

By reviewing your financial details, we can identify potential red flags indicating that the loan repayments might be unsustainable for you. This proactive step helps protect you from overcommitting financially and facing undue stress.

How does Vield comply with regulatory obligations?

Vield adheres to the National Consumer Credit Protection Act 2009 and follows guidelines set by the Australian Securities and Investments Commission (ASIC). By making reasonable inquiries about your financial situation, we ensure that our loan products are suitable and that lending practices are responsible and ethical.

How do I get in contact with the Vield team?

Please contact and the team will endeavour to respond to you within one business day.

Still have questions?

Feel free to reach out with any questions. We're happy to help.