Company
About Crypto Loans HQ
Crypto Loans HQ is an introduction service for holders of bitcoin, ether and spot bitcoin ETF shares who want to borrow against them, and for buyers and sellers of large crypto positions. It qualifies each enquiry and introduces it to third-party lenders or OTC desks whose published criteria fit. It does not lend, trade, hold client assets or give advice.
Key takeaways
- An introducer, not a principal. The lender lends and the OTC desk trades. You contract with that firm directly, and it runs its own identity verification and anti-money-laundering checks.
- Working minimums. Loan enquiries start at US$100,000 and crypto OTC trades at US$250,000. Meeting a minimum does not mean an enquiry will be placed.
- Narrow scope. Bitcoin, ether, major stablecoins and spot bitcoin or ether ETF shares. No loans against other tokens, and no products that pay interest on crypto lent out.
- May be paid by the firms it introduces to. The model is disclosed on how we are paid.
- The operator is not named. This site publishes no company name, registration number, address or individual's name, and nothing invented stands in for them.
What the service does and does not do
An enquiry arrives through the enquiry form or by email. We read it against the criteria that lenders and OTC desks publish: the assets they accept, the sizes they handle, and the client types and places they serve. Where a firm's criteria may fit, we present the enquiry to that firm and stay with it to documentation.
Everything that decides the economics of a loan or a trade sits with the counterparty. The lender sets the loan-to-value (LTV) ratio, the interest, the margin-call and liquidation levels, and who holds the collateral. The desk sets the price and the settlement terms.
| Task | Crypto Loans HQ | The lender or OTC desk |
|---|---|---|
| Reads the enquiry against published criteria | Yes | Applies its own criteria once introduced |
| Introduces the enquiry to a firm whose criteria may fit | Yes, with your consent | Decides whether to take it further |
| Identity verification and anti-money-laundering checks | No | Yes, under its own procedures |
| Sets LTV, interest, margin-call and liquidation levels | No | The lender, in its loan terms |
| Quotes a price and settles a trade | No | The desk |
| Holds collateral or trade proceeds | No | The lender, its custodian or the desk |
| Any loan or trade is agreed directly between you and the lender or desk. Crypto Loans HQ is not a party to it. | ||
Why it exists
For a holder with size, the terms that matter most are the hardest to compare. A headline rate is easy to find. The level at which a lender calls for more collateral or sells it, the time allowed to respond, and whether the collateral can be re-used are set in each lender's own terms, and they differ.
In lenders' own published terms, accessed in September 2026, the LTV at which collateral is sold ran from 80% at Ledn and Xapo Bank (and at Arch, for a partial sale) to 90% at Figure and 90.91% at SALT, which calls it a “margin event”. Published cure windows after a margin call ran from 24 hours at Arch and Unchained to 48 hours at Figure. Ranges lenders published as of September 2026; terms depend on the lender, the collateral and the borrower, and are set only by the lender.
Custody differs just as much. Unchained states that its loan collateral sits in a 2-of-3 multisig, with keys held by the borrower, Unchained and a key agent. Ledn states that collateral “may only be re-posted” to a funding partner or financing vehicle. Arch states that collateral is held in segregated cold storage with Anchorage Digital.
The difference matters most when a lender fails. On 9 November 2023 the US Bankruptcy Court for the Southern District of New York held that collateral posted under Celsius's retail loan terms, by borrowers who objected to its plan, was property of the bankruptcy estate. Those terms had allowed Celsius to “pledge, re-pledge, hypothecate, rehypothecate, sell, lend, or otherwise transfer or use” the collateral, “with all attendant rights of ownership”.
Crypto Loans HQ exists to match an enquiry to firms whose published criteria fit the asset, the size and the borrower, and to set out these mechanics in plain terms so a borrower knows what to compare. It does not recommend a lender or tell you which terms to accept. The guides on bitcoin loan margin calls and bitcoin loan rehypothecation and custody go further.
Who it is for
The service is written for holders with size: high-net-worth individuals, founders and early employees with a concentrated position, family offices, companies holding bitcoin in treasury, miners, funds, estates and executors, and the advisers who act for them. Working minimums are US$100,000 for a loan and US$250,000 for a crypto OTC trade.
It is not directed at retail consumers in the United Kingdom, or at anyone in a jurisdiction where the introduction would be unlawful. The client types, assets in scope and places the service does not reach are set out on who we work with. Advisers acting for a client can read crypto loan referrals for advisers.
How we decide what to publish
Every fact on this site is checked against a primary source before it is written: a regulator, a statute, a court record, a company filing or the firm's own published terms. Statements about named firms are dated and describe only what the firm publishes. Nothing is ranked or rated, no rate card is published, and borrowing is never presented as a way to reduce tax.
Where a fact cannot be verified, it is left out. Where a firm's own pages contradict each other, the conflict is shown or the point is dropped. The full rules are in the editorial standards.
How Crypto Loans HQ is paid
Crypto Loans HQ may be paid by the lenders or desks it introduces enquiries to. The compensation model is set out on how we are paid. Payment does not decide whether a firm is named or how it is described, and no firm reviews copy about itself before publication.
Who is behind Crypto Loans HQ
This website does not name the people who run Crypto Loans HQ, and it publishes no company name, registration number or registered office for the business behind it. Nothing on this site stands in for them: there are no invented names, biographies, photographs, credentials or track record. What you can check is the firm you would contract with: any loan or trade is agreed directly with a lender or desk, under its own name and its own documents.
Questions about the service go to info@cryptoloanshq.com. Crypto Loans HQ never asks you to send crypto assets to it and never holds collateral or trade proceeds. Report any message that uses its name to ask for either to the same address.
General information, not advice. This page describes the Crypto Loans HQ introduction service. Statements about named firms describe what each firm published when its pages were accessed in September 2026, and those terms may have changed. Nothing here is an offer to lend, to arrange a loan on particular terms, or to buy or sell any asset, and nothing here is investment, legal or tax advice. Terms are set only by the lender or desk. How we are paid.
Primary sources
- Ledn: Bitcoin-backed loans (LTV alerts, automatic liquidation at 80%, collateral re-posting terms; accessed September 2026)
- Xapo Bank: Borrow (collateral sold at 80% LTV; accessed September 2026)
- Arch: When do I get margin called or partially liquidated? (updated 30 March 2026) and Arch: home page (custody; accessed September 2026)
- Figure: Crypto-backed loans FAQ (margin call, 48-hour cure, liquidation at 90%; accessed September 2026)
- SALT: Understanding LTV and margin calls on bitcoin-backed loans (dated 26 March 2026)
- Unchained: What is the margin call process? and What is loan collateral and what does Unchained do with it? (accessed September 2026)
- In re Celsius Network LLC, Case No. 22-10964 (MG), Corrected Memorandum Opinion, 9 November 2023 (US Bankruptcy Court, Southern District of New York)
Where to go next
For a holder weighing a loan of US$100,000 or more, or a crypto OTC trade of US$250,000 or more, eligibility and the working minimums are set out on who we work with.