John is a crypto enthusiast who decided to try out EMCD’s services. He took a loan using 1 BTC as collateral and got $ 50,000 USDT. Instead of just holding onto his bitcoins, John dove into a portfolio of altcoins he believed would skyrocket. Six months later, his portfolio exploded in value. He sold the altcoins, paid off the loan, returned the collateral, and pocketed over $ 100,000 in profit. That’s how he grew his wealth without ever selling a single bitcoin.
John. Investor
After five years in mining, Leon saw a game-changing opportunity: new equipment that could boost his income by 30%. The problem? He didn’t want to sell his hard-earned Bitcoin. The solution? A BTC-backed loan. With $ 70,000 in hand, he scaled up his operation. The new hardware paid for itself, the loan was repaid fast, and his mining power doubled. More profits, more growth, no sacrifices.
Leon. The Strategic Miner
Olivia had one goal — an MBA from a top European university. But tuition and living costs required a hefty sum. Selling her Bitcoins? Not an option. Instead, she leveraged our service, took out a BTC-backed loan, and funded her education without touching her assets. One year later, with a high-paying job in hand, she cleared the loan in just six months. Her Bitcoins remained intact, growing in value while she secured her future.
Olivia. The Ambitious Trader
Daniel saw DeFi as a goldmine of opportunity, but there was one problem — he wasn’t ready to part with his Bitcoins. Instead of selling, he used them as collateral for a loan, securing USDT to invest in high-yield DeFi projects. Every month, the profits rolled in. Soon, he repaid the loan entirely — without losing a single satoshi. His Bitcoins stayed safe, and his wealth grew.
Daniel. The DeFi Risk-Taker
Sebastian dreamed of turning his house into a perfect family home, but cashing out his BTC in a volatile market wasn’t an option. He made a smarter move — secured a $ 25,000 loan against his BTC, funded the renovation, and transformed his living space. Loan repaid, home upgraded, and his Bitcoin stash still intact. A win on all fronts.
Sebastian. The Smart Family Man
We constantly update you on your loan’s status so you never fall behind
Always here
Always monitoring the situation and keeping you posted with push notifications
Get up-to-date information about your loan right on your screen
We’ll send you a push notification and email when you get close to your limit
Always a step ahead — we’ll notify you about the limits in the app and via email
FAQ
How do crypto loans work?
Choose your collateral’s amount and currency, for example, BTC — we hold on to it until you repay the loan
Choose your loan’s terms and amount in USDT
Confirm your loan and transfer your collateral to the EMCD wallet to get USDT
Close your cryptoloan anytime — just return the USDT with interest to get your collateral back
What’s LTV?
LTV is the percentage of a coin’s value you can borrow in USDT. For example, if BTC is worth $ 100 000, an LTV of 50% lets you borrow up to 50 000 USDT. The lower the LTV, the lower the risk of liquidation
What does liquidation mean?
Liquidation or liquidation cost is the value of the collateral at which we terminate the loan. This happens if the collateral’s value goes over LTV 95%, then we have to cover the loan we issued with the collateral. This can be avoided if you top up your collateral or partially pay off your loan
What’s the loan’s term? And when do I get my collateral back?
You can get your loan in 15 minutes. You get your collateral back within an hour after paying off your loan, since most of it is stored on cold wallets
What do I do if the collateral’s rates changed after I got my loan?
If the collateral’s value drops, LTV will go up, along with risk levels, and vice versa if the collateral’s value rises
Where do we get out crypto rates?
We take the latest rates on 5 leading exchanges, for example, Binance and Huobi. The rate is updated every several seconds, so we account for changes on the market
Listed among the world’s largest Bitcoin mining pools
All or part of the EMCD services, some features thereof, or some digital assets, are not available in certain jurisdictions, including where restrictions or limitations may apply, as indicated on the EMCD Personal Account and in the relevant general terms and conditions.