BitLoan • A Reliable Expert

Pledge & Borrow

The borrowers pledge their crypto assets as collateral, such as Bitcoin and select their preferred loan terms and interest rate.

Lend & Earn

The lenders invest USDT/CNYT funds into BitLoan markets and set their preferred loan matching criteria, such as loan terms and rates.

Match & Done

Our platform will match a borrower’s request with multiple lenders’ funds, and borrowers can get the funds instantly.

Millions' Choice


Secure loans at rates generally lower than those offered by other platforms
A speedy application process with a few tabs on your phone. Get funds without selling your favourite crypto asset
When the prices of collateral are rising, the amount of the repayment won’t change, Simply repay and redeem your pledged assets
You can use the funds wherever you want


A high return on stable coin than compared with other investments
Diversify your investments rather than spreading your funds over several loans to minimize your risks
All loans are backed by locked collateral in mainstream cryptocurrencies
In the case of market volatility or borrower’s failure to repay, forced liquidation will be carried out to convert borrower’s collateral into USDT/CNYT

Rates & Fees

Lending Return Rate(A) Borrowing Interest Rate (D) Fees (of culmulative)
18.7 % 0.035% 20%
Pledge Ratio 70% 70% 70% 70% 70% 60% 60% 60% 60%
Loan Term 7 days / 15 days / 30 days(interest-free for 5 days)/ 60 days(interest-free for 10 days)
Force Liquidation Alert and Enforce
Collateral will be forcibly liquidated when risk rate reaches 110%

Risk rate = Collateral Market Value /(Loan Amount + Accured Interest)

Risk Control

Security Guarantee

HyperPay sets up multiple risk control measures in users’ authentication, loan application process, account security management and other related issues to guarantee the safety of users’ funds.

Early/Late Repayment

HyperPay P2P service charges penalties for repaying loans early or late. This helps insure our lenders get most funds back on time.

Repayment Guarantee

When borrower’s collateral value drops too low due to market volatility. HyperPay will forcibly sell the collateral for USDT/CNYT funds to repay the loan.

Market Price Monitoring

Cryptocoin Insurance
What Our Customer Say
Over 10,000 customers use BitLoan for their crypto borrowing and lending
As a crypto trader, I’ve been using the HyperPay wallet for a very long time, and find it excellent in the user experience. I often need fund when doing crypto transactions, but I don’t want to use mine. Lucky for me, HyperPay also have BitLoan function where I can borrow the funds I need, and the lending is simple and fast. Therefore, I don’t have to worry about missing the market.


Crypto Trader

I have been investing in the traditional financial industry all along, but recently, traditional investment channels are becoming less and less. I never invest crypto before until my friend recommended the HyperPay wallet to me, and I found it very simple after using it, it just adding a conversion process. Compared with the traditional P2P investment, the borrowers of BitLoan have their funds secured by the mechanism of mortgage and liquidation. HyperPay group also has great strength. I have received my rewards for the last investments and I’ll continue to use the wallet.



We have known HyperPay wallet for a long time which is supported by a very powerful group. We have cooperated with them many times, and we use BitLoan to solve the capital turnover demand many times. We also invest the idle funds in BitLoan to get considerable returns. They are professional and powerful, so we believe them.


Decentralized Financial Service Platform

Fast, Flexible & Convinient

Pledge your crypto asset to borrow the funds in you own needor finance a portfolio of loans and earn interest.