Keep your Bitcoin.
Get the cash you need.

Don't sell your Bitcoin; get a Bitcoin-backed loan. Virtuse connects you with vetted partners that lend cash against your Bitcoin at market-driven rates starting at 6% p.a.

Compare selling versus a Bitcoin-backed loan

How It Works

Step 01

Set Loan Terms

Choose loan amount, interest rate, and duration. Or opt for an instant loan at a predefined rate.

Step 02

Match with Investor

Your request is listed on the marketplace. An investor funds your loan — no central lender involved.

Step 03

Lock Bitcoin Collateral

Send Bitcoin to an on-chain multi-sig escrow address. You never give up your private keys.

Step 04

Receive Funds & Repay

The loan is sent to your bank account. Repay at maturity and your Bitcoin is returned to your wallet.

Two Ways to Participate

Whether you need cash or want to earn yield, there's a Bitcoin-native option

Borrowers

Use your Bitcoin as collateral to borrow fiat (EUR, CHF, CZK) or stablecoins (USDC). Keep your Bitcoin exposure, avoid capital gains taxes, and access liquidity without selling. LTV up to 50%. Terms from 3 to 24 months. Rates from 6% p.a.

Investors / Lenders

Provide fiat or stablecoins to fund Bitcoin-backed loans. Earn interest paid by borrowers. Collateral is locked in on-chain escrow — fully secured by Bitcoin. No rehypothecation. No exposure to altcoins. Minimum from EUR 800.

Our Lending Partners

Bitcoin-only lending platforms with non-custodial multi-sig escrow

Firefish

Prague, Czechia

The leading European P2P Bitcoin lending marketplace. Borrowers get fiat/stablecoin loans secured by Bitcoin collateral locked in on-chain multi-sig escrow. Firefish never touches your Bitcoin — it's purely a technology facilitator between borrowers and investors.

Bitcoin-only — no altcoins accepted
Non-custodial multi-sig escrow
EUR 22.5M funded | 8,600 investors
Listed in ESMA MiCA Register
Instant loans now available

Loan Amount EUR 800 – no maximum

Interest Rate 6–15% p.a.

LTV Ratio Up to 50%

Duration 3 / 6 / 12 / 18 / 24 months

Currencies EUR, CHF, CZK, USDC

Keep your Bitcoin.Get the cash you need.