lumchain
Sign in Get started
Crypto Loans

Don't sell your crypto.
Borrow against it.

Unlock the cash sitting in your wallet — and keep every coin. Funded in minutes, no credit check.

Create free account How it works
30%Collateral
1%Interest
30dTerm
$1,000,000Up to

Live terms, straight from our system — not an example.

Why borrow instead of sell

Keep your upside

Sell and you're out. Borrow and you still hold every coin.

Minutes, not weeks

No bank, no payslips, no credit check. Your collateral does the talking.

Coins stay yours

Collateral locks inside your own account. Repay and it unlocks.

Up and running in four steps

1

Create your account

Email, then a username. Save the 12-word phrase you're shown — staff will never ask for it.

2

Set your PIN

A 6-digit PIN unlocks your account on every future sign-in.

3

Fund your balance

Tap Receive, pick a coin, send to the address. That balance backs your loan.

4

Open Crypto Loans

Tap ☰ → sidebar → Earn & Grow → Crypto Loans. Borrow $1,000–$1,000,000.

What it looks like

You borrow$1,000.00
Collateral locked (30%)$300.00
Interest over 30 days$10.00
You repay$1,010.00
Worth knowing Your collateral is larger than the loan — that's what replaces a credit check. Repay within 30 days and it unlocks in full. Miss it and a 0.1% late fee applies and the collateral settles the debt. Borrow what you're sure you can repay.

Quick answers

Do I need a credit check?

No. Your collateral is the security — no credit file, no employer, no paperwork.

Where does my collateral go?

Nowhere. It's held inside your own account for the term and released the moment you repay.

Can I repay early?

Yes, any time within the term. Your collateral unlocks as soon as the loan is settled.

How do I know you're legitimate?

Start small, watch it work end to end, then decide. Our team is on Live Chat any time.

Your crypto is already working.

Keep the coins. Get the cash. Repay on your terms.

Create your free account