Get Fiat Liquidity. Keep Your Crypto.
Borrow at 10% APR against your BTC, ETH or stablecoins. Fast. Regulated. No surprises.
Why Swapit
Why borrow from Swapit?
Transparent pricing, conservative LTVs, and collateral you never lose control of.
Regulated & safe
A licensed alternative lender in Poland. Collateral held by an independent custodian. Post-2022 standard: no rehypothecation.
Fast approval
From application to funding in 2 days. No bureaucracy, no delays.
Keep your position
Maintain your crypto upside. Borrow fiat without selling — no FOMO, no forced exit.
Competitive rates
10% APR plus a 2.5% origination fee. Transparent pricing, no hidden charges.
Flexible terms
Choose 30, 90 or 180 days. Open-term options available for premium borrowers.
Real support
24/7 access to crypto-native account managers who understand your position.
Process
How to borrow in 4 steps
1. Create your profile
Complete quick KYC verification. Around 15 minutes, one time only.
2. Request your loan
Select collateral type and loan size. We calculate your borrowing capacity in real time.
3. Send collateral
Transfer crypto to the segregated custody account. Receipt confirmed within 1–2 confirmations.
4. Receive fiat
Funds land in your bank account. Most loans are funded within 2 days.
Rates & terms
Simple, disclosed upfront
One rate, one fee, conservative loan-to-value. That's the whole pricing sheet.
- Interest rate
- 10% APR, accrued daily
- Origination fee
- 2.5% of the loan principal, charged upfront
- Loan-to-value
- 50–70% depending on collateral asset
- Margin call threshold
- ~80% LTV, with a 6–24 hour grace period
- Liquidation threshold
- ~90% LTV
- Accepted collateral
- BTC, ETH, USDC, USDT and other major stablecoins
- Loan terms
- 30, 90 or 180 days; open term for premium borrowers
- Currencies
- EUR and USD
Example: a €65,000 loan at 10% APR accrues €17.81 per day, with a €1,625 origination fee. Final terms are confirmed in your loan agreement.
FAQ
Borrower questions
Ready to Get Started?
Tell us what you need and a crypto-native account manager will come back to you within one business day.