Don't sell your Bitcoin.
Borrow from it.

Unlike traditional loans that consider your credit score, Rand offers a crypto-backed Credit Line that uses your digital assets as collateral. Once you top up BTC or ETH, you can immediately use your Credit Line. You will receive EURC in your account on the same day, and you can withdraw it to your bank whenever you want.

Once your collateral is deposited and confirmed, you can receive your loan within minutes. Bank transfers to your account typically arrive within 1-2 business days.

If the value of your collateral drops significantly, you may need to add more collateral or partially repay your loan to maintain the required ratio. We'll notify you in advance if action is needed.

There are no fixed terms - you can repay whenever you want. The interest rate is fixed at 8% annually, charged only on what you borrow.

Borrowing against your crypto is generally not considered a taxable event in most jurisdictions, unlike selling. However, tax laws vary by country, so we recommend consulting a tax professional.

Currently we accept Bitcoin (BTC) and Ethereum (ETH) as collateral. We're working on adding support for more assets in the future.

Loan to Value (LTV) is the ratio between your loan amount and the value of your collateral. At Rand, you can borrow up to 50% LTV, meaning for every 100,000 in collateral, you can borrow up to 50,000.

There is no fixed maturity date. You can keep your Credit Line open as long as you maintain the required collateral ratio. Repay whenever suits you.