Keep your Bitcoin.
Get the cash you need.

Don't sell your Bitcoin; get a Bitcoin-backed loan. Virtuse provides a service where Bitcoiners borrow cash against their Bitcoin at market-driven rates starting at 6% p.a.

How It Works

Set Loan Terms

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

Match with Investor

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

Lock Bitcoin Collateral

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

Receive Funds & Repay

Loan sent to your bank account. Repay at maturity — 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 5% 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, Czech Republic

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 Max

Interest Rate 5% — 15% p.a.

LTV Ratio Up to 50%

Duration 3 / 6 / 12 / 18 / 24 months

Currencies EUR, CZK, USDC

Keep your Bitcoin.Get the cash you need.