Don’t sell, but HODL.

Watch your Bitcoin appreciate in value as you capture its value tax-free with a USD based loan.

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Borrower Services

Watch your Bitcoin appreciate in value as you capture its value tax-free with a USD based loan.

The Valuete Marketplace connects you with eligible Lenders willing to provide USD loans that are collateralized with your Bitcoin holdings. This free-to-use marketplace provides the most competitive loan terms based on your borrowing needs such as loan amount, duration, and repayment terms.

There is no longer a need to give up control of your Bitcoin collateral. With the Valuete Vault service, you can transfer your Bitcoin collateral to a multi-sig wallet that requires consensus from 2 of 3 key holders (Borrower, Lender, and Valuete) for access. This majority consensus solution completely eliminates any custodial risk and bad actor lenders ‘reusing’ your Bitcoin holdings.

Not only is there no adverse tax consequence for capturing value of your Bitcoin assets with this loan, but under some situations you may be eligible to deduct your loan’s interest, e.g. if the proceeds are used for business expenses, qualified higher education expense, and taxable investments. However, we advise you to first consult your tax accountant to access your specific scenario.

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How It Works

  • 01

    Create Account

    Simply create a Valuete Borrower account

  • 02

    Post Offer

    Enter your loan terms, and await a notification of a match from a vetted Lender.

  • 03

    Execute Security Agreements

    Loan initiation can be done completely within the Valuete portal using our lending and security agreements or done outside of the portal using your own loan agreements*.

  • 04

    Transfer BTC

    Borrower transfers BTC into a multi-sig contract generated in the loan process.

  • 05

    Retrieve Funds

    As per the loan term, lender transfers funds to the borrower bank account to initiate loan

  • 06

    Payback Funds

    As per the loan term, borrower return funds to the lender bank account

  • 07

    Maintain Healthy Collateral Ratio

    Maintain collateral ratio of 150% or higher to avoid liquidation of the collateral

  • 08

    Release Collateral

    Once all loan conditions are satisfied by the Borrower and verified by the Lender, the Bitcoin security is returned to the Borrower from the multi-sig wallet.

Risk Mitigation Process

We got you covered at each step

Loan Initiation

Loan initiated @50% LTV BTC collateral

Notification of pending Action

LTV @65%, borrower notified

Margin Call

LTV @70% margin required additional collateral or loan pay down in 72 hours

Liquidation of assets

LTV @80% final notice of default, lender reserves right to initial sale of collateral to restore LTV to healthy level

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