Instant Cash Without Selling Your Bitcoin
Access up to 50% of your Bitcoin's value in South African Rand (ZAR). Funds available within 48 hours after Bitcoin deposit.
Secure. Transparent. No hidden fees. Regulated by FSCA (FSP 55037)
Fast Approval
48h turnaround
Secure Storage
2-of-3 multisig
No CGT
Tax-neutral
Loan amounts
Regulated FSP 55037
Loan-to-Value Ratio
Fast Approval
Multisig Security
How It Works
Get your Bitcoin-backed loan in 5 simple steps
Register on BitDirect
Create your account with quick and easy registration
Apply & Upload Documentation
Submit KYC and financial documents for verification
Connect Your Trezor
Link your hardware wallet for secure Bitcoin storage
Deposit Bitcoin
Transfer Bitcoin to your assigned multisignature wallet
Receive ZAR
Get funds in your bank account within 48 hours
Why Choose BitDirect
Access liquidity without selling your Bitcoin, while maintaining full security and control
No Capital Gains Tax
Borrowing against your Bitcoin means no taxable disposal. Maintain your holdings while unlocking liquidity and benefit from Bitcoin's long-term price potential.
Tax-neutral transaction under current guidance
Your Bitcoin. Your Control.
Each client is assigned a dedicated multisignature wallet. Your funds are secure, transparent, and independently verifiable on the blockchain.
No single party can access your Bitcoin alone
Increase Your BTC Exposure
Using loan proceeds to purchase additional Bitcoin can reduce your LTV from 40% to 29% and increase your exposure.
Bitcoin has appreciated over 908.6% in 5 years
Fast Approval Process
Apply online and receive funds within 48 hours after Bitcoin deposit. No lengthy approval processes or unnecessary delays.
Up to 5 years repayment terms
Transparent Fee Structure
R1,000 loan origination fee. 0% monthly payment in ZAR. 0% fee to settle loan in fiat.
No hidden costs or surprise fees
FSCA Regulated
BitDirect is fully regulated by the FSCA (FSP 55037), providing added peace of mind and compliance assurance.
Fully licensed and compliant
Loan Calculator
Use our calculator to estimate your loan amount, monthly repayments, and collateral requirements
This calculator provides estimates. Final terms subject to approval and market conditions.
Secure Bitcoin Storage
Your Bitcoin is protected with 2-of-3 multisignature wallets — a key feature of the Bitcoin protocol providing enhanced protection for your digital assets
What is 2-of-3 Multisignature?
Any transaction requires approval from two of three private keys to be approved. BitDirect uses a custom 2-of-3 multisignature wallet system.
- No single party can access or move your Bitcoin alone
- Your funds are secure, transparent, and independently verifiable
- Control remains shared and safeguarded
Your Dedicated Wallet
Each client is assigned a dedicated multisignature wallet. Your Bitcoin cannot be moved without your participation.
Hardware Device Required
You will need a Trezor hardware wallet to use our service. We support all Trezor devices and recommend the Trezor Safe for its simplicity and excellent security. The hardware device stores your private key offline, ensuring maximum protection.
Frequently Asked Questions
Got questions? We've got answers
Still have questions?
Our team is here to help you understand every aspect of Bitcoin-backed lending