Spend Dollars.
Keep your Bitcoin.
Your Bitcoin stays locked on-chain with zero rehypothecation.
Rates from 6.9% APR.
Your Bitcoin stays yours
Locked on chain
Your Bitcoin is secured in a Taproot vault.
Verifiable anytime.
Zero rehypothecation
Your Bitcoin stays exactly where you locked it.
Not moved, not lent out.
Repay and unlock anytime
Pay back when you want and take your
Bitcoin back.
What is Surge?
A credit line, not a loan
Borrow what you need. Repay anytime. No
fixed schedule.
Backed by your Bitcoin
Collateral locked in a Taproot vault you
can verify on-chain.
Cash you can actually use
Send USDC or spend with gift cards.
Bank and card coming soon.
How much do you want to borrow?
Cash you need ($)
$100$1,000,000
1 BTC = loading...
You Lock
0.40000 BTC
Costs you
$3.8/day
Rate
Get dollars in under an hour
How Surge compares
| Factor | Surge | Others* |
|---|---|---|
| Bitcoin Custody | ||
| On-chain verifiable collateral | ||
| Segregated collateral | ||
| Bitcoin-native (no wrapping) | ||
| Zero rehypothecation | ||
| Unilateral exit | ||
| Lending | ||
| Credit line (not a loan) | ||
| Rates | From 6.9% | Often higher |
| Fast access to funds | ~30 min | Days |
| LTV flexibility | 50% (expanding) | Often fixed |
| Globally accessible | Limited | |
*Includes traditional lenders and most DeFi platforms