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Get a Loan Against Your Bitcoin Cash

Open a credit line secured by your BCH and draw euros or stablecoins when you need them. Bitcoin Cash is accepted at up to 30% LTV, your rate depends on how much of that limit you use, and at low LTV it is 0% APR. Your coins sit in institutional custody secured by Fireblocks while the line is open and are back in your wallet when you repay.

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Why Borrow Against Bitcoin Cash Instead of Selling It

Bitcoin Cash (BCH) is a payments-focused cryptocurrency that split from Bitcoin in 2017. A credit line secured by it turns the BCH you already hold into spendable euros or stablecoins, on terms that follow your own loan-to-value ratio.

  • Cash without a sale

    Selling BCH ends your position; borrowing against it does not. Draw what you need now and get the coins back once you repay.

  • 0% APR up to 20% LTV

    The less of your limit you use, the less you pay: up to 20% LTV the APR is 0%, and every higher step is visible in the app before you draw.

  • Pay only for what you use

    Unused credit costs nothing. Open the line, keep it ready for the moment you need it, and pay interest only on the amount you have actually drawn.

  • Repay on your own schedule

    There is no fixed repayment schedule. Repay in parts or in full whenever it suits you, or let the balance be settled from your collateral.

  • Money where you need it

    Euros land in your bank account via SEPA Instant, usually within seconds; USDT or USDC arrive straight in your Clapp wallet.

  • Mix in other collateral

    Pair your BCH with other supported assets in the same line for a higher limit or a calmer LTV.

What Bitcoin Cash is

Bitcoin Cash split from Bitcoin in 2017 with larger blocks, aiming to make everyday payments faster and cheaper.

Bitcoin Cash as collateral

BCH is liquid and widely listed, and tends to move in the same direction as Bitcoin, often with larger swings.

Who borrows against Bitcoin Cash

Holders who received BCH in the original split or bought it for payments, and want euros without selling.

Getting a Bitcoin Cash Loan in Three Steps

How it works, step by step.

1. Move BCH into collateral

Choose how much of your BCH should secure the line and move it into collateral in the app. More can be added whenever you want.

2. Your limit appears

Based on the live BCH price and an LTV cap of 30%, your available credit shows up straight away. Draw only what you need.

3. Use the funds, repay later

Draw euros or stablecoins, use them as you like and repay at your own pace; once nothing is owed, your BCH returns to your wallet.

Borrowing Against Bitcoin Cash: The Essentials

ParameterBitcoin Cash (BCH)
Maximum LTV30%
APR range0–21.9%, set by your LTV
APR at low LTV0% at or below 20% LTV
You can borrowEUR, USDC, USDT
RepaymentIn parts or in full, no fixed schedule
Custody while the line is openInstitutional custody secured by Fireblocks
Combine withOther supported collateral assets in the same line

What Happens If the Bitcoin Cash Price Drops?

Your LTV moves, and you stay in control of it

Bitcoin Cash usually follows the direction of Bitcoin, but its moves are often bigger, up and down. Your LTV compares the balance you owe with what your BCH is worth right now. A lower BCH price pushes that ratio up, and the app shows the change as it happens. To bring it down, post more collateral or pay back part of what you owe; either works straight away. Part of the collateral is sold only if the ratio climbs all the way to the liquidation threshold in your dashboard, so the gap between today's LTV and that line is your safety margin.

Combine Bitcoin Cash with Other Collateral

You are not limited to one asset. Below is the live catalog of accepted collateral with each asset's LTV cap, from stablecoins at the top end to more volatile coins further down.

Estimate Your Bitcoin Cash-Backed Credit Line

Try different amounts of BCH and see how much you could draw and what your LTV would be, using live prices.

Estimated Total Credit Line
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Collateral Value
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To open a Credit Line, choose which Assets you'd like to use as Collateral.

Access 24/7 support

Need help? Clapp's expert team is ready to assist anytime, ensuring your experience is smooth and hassle-free.

Frequently Asked Questions

  • How much can I borrow against Bitcoin Cash?

    Bitcoin Cash is accepted as collateral at up to 30% LTV, so your available credit is a share of the current market value of the BCH you post. The calculator on this page shows the exact figure for your amount, and the limit moves with the live BCH price while the line is open.

  • Can I borrow against Bitcoin Cash?

    Yes. BCH holders can post their coins and borrow up to 30% of their value without selling, with the credit paid out in euros or stablecoins.

  • What is the interest rate on a Bitcoin Cash-backed credit line?

    The APR depends on how much of your limit you actually use: the range is 0–21.9%. Keep your LTV at or below 20% and the drawn balance costs 0% APR. Interest accrues only on the amount you have drawn, so an open but unused line costs nothing.

  • Can I get cash without selling my Bitcoin Cash?

    Yes. Borrowing against Bitcoin Cash exists precisely so you do not have to sell: your BCH secures the line, you spend the euros or stablecoins, and after repayment the BCH is back in your wallet.

  • What happens if the Bitcoin Cash price drops?

    Your LTV rises and you can watch it in the app in real time. You can add collateral or repay part of the balance at any moment to bring it back down. Only if your LTV reaches the liquidation threshold shown in your dashboard is part of the collateral sold to cover the balance.

  • Is Bitcoin Cash treated the same as Bitcoin as collateral?

    No. They are separate assets with their own LTV caps, and Bitcoin Cash is accepted at up to 30%. If you hold both, you can post them in one line.

Unlock Cash From Your Bitcoin Cash

Open a credit line against your BCH and draw euros or stablecoins on demand, From 0% APR at low LTV.

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