Crypto-Backed Loan

A crypto-backed loan lets you borrow cash by pledging Bitcoin or Ethereum as collateral. The lender holds the crypto in qualified custody for the term of the loan, you receive USD, and when you repay the loan the same crypto returns to you. Unlike a personal loan or HELOC, no income verification, tax returns, or property appraisal is required — the loan is underwritten against the collateral.

At Milo, crypto-backed loans start at $5,000 with a 50% loan-to-value ratio (you pledge roughly 2x the loan amount in crypto), funded in as little as 24 hours. There is no rehypothecation: your collateral isn't lent out or reused by the lender. APR starts at 10.75%, and you can choose between low monthly interest-only payments or no monthly payments with interest accruing to maturity.

People use crypto-backed loans for short-term liquidity without triggering a taxable event from selling. Common use cases include funding a real estate down payment, financing a renovation, paying a tax bill, or covering a temporary cash need while keeping crypto exposure intact.

Why it matters for Milo customers

Milo's crypto-backed loan funds in as little as 24 hours, starts at $5,000, and is non-recourse — the only thing on the line is the pledged crypto. No income verification, no property appraisal, no rehypothecation.

Related terms

Crypto CollateralCrypto-Backed MortgageLoan-to-Value (LTV) on CryptoQualified CustodianRehypothecation
Credit Score (FICO)Crypto-Backed Mortgage

1-888-433-6456 (MILO)

545 NW 26th Street, Suite 200
Miami, FL 33127

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Milo Credit, LLC is a direct lender and licensed under NMLS #1811449.
Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-128284. Not available in all states. Equal Housing Lender. NMLS Consumer Access

EQUAL CREDIT OPPORTUNITY ACT NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers Milo Credit’s compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.