> ## Documentation Index
> Fetch the complete documentation index at: https://docs.roxom.com/llms.txt
> Use this file to discover all available pages before exploring further.

# How to refinance your loan

> Move a bitcoin-backed loan from another lender to a Roxom BLOC. Same BTC, lower rate, we rebate your first month's interest.

## TL;DR

If you have a bitcoin-backed loan with another lender, you can move it to a [BLOC (Bitcoin Line of Credit)](/help-center/loans/bitcoin-backed-credit-line) at **7.25% APR (fixed)**. Roxom pays off your current lender directly, your BTC collateral moves into Roxom custody, and your new credit line goes live. **Your first month of interest is waived** if the refinanced loan is still active twelve months after origination. You don't sell any BTC, and you don't need cash on hand to make the switch.

Start at [roxom.com/refi](https://roxom.com/refi), the official campaign page.

The full rules are in the [BLOC ReFi Campaign Terms & Conditions](/legal/terms-and-conditions-bloc-refi-campaign).

## Quick facts

| Item                    | Value                                                                              |
| ----------------------- | ---------------------------------------------------------------------------------- |
| Rate                    | 7.25% APR (fixed)                                                                  |
| First month of interest | Waived, credited after the refinanced loan reaches 12 months active                |
| Eligible loans          | Bitcoin-backed loans with BTC collateral at other lenders                          |
| Minimum loan            | 200 USDT or 200 USDC (same minimum as any BLOC)                                    |
| Maximum loan            | No preset maximum. Refinancing tickets are sized case by case through the hotline  |
| Fees charged by Roxom   | None                                                                               |
| Campaign period         | September 28, 2026 to December 31, 2026                                            |
| Refinance hotline       | [+1 (682) 271-7956](https://wa.me/16822717956) on WhatsApp, in English and Spanish |
| Campaign page           | [roxom.com/refi](https://roxom.com/refi)                                           |

## Why refinance

Many bitcoin-backed loans cost 10% to 18% a year once fees are included. At 7.25%, the difference adds up fast.

For example, a **USD 250,000** loan at **12% APR** costs **USD 30,000** a year in interest. At **7.25% APR**, the same loan costs **USD 18,125** a year. That's **USD 11,875 in annual savings**, before the first-month interest waiver.

Savings estimates given through the hotline, the savings calculator, or any Campaign material are general and illustrative. They do not include fees charged by your current lender, network fees, or taxes.

## How it works

There are three ways to refinance depending on what you have available. The hotline team reviews your case and tells you which one fits your situation.

<Tabs>
  <Tab title="The Port">
    **Use this if:** all your BTC is locked as collateral at your current lender and you don't have cash to repay the loan up front.

    This works like a mortgage refinance. Roxom pays off your current lender directly, and the collateral released by that lender lands in your Roxom funding account.

    <Steps>
      <Step title="Contact the refinance hotline">
        Message [+1 (682) 271-7956](https://wa.me/16822717956) on WhatsApp. The team walks you through the switch in English or Spanish and opens your BLOC at a 90% LTV.
      </Step>

      <Step title="Request a payoff quote from your current lender">
        The payoff quote is the exact amount required to close your existing loan on a given date.
      </Step>

      <Step title="Sign the Roxom loan agreement and payoff authorization">
        You accept the [BLOC Terms & Conditions](/legal/terms-and-conditions-btc-backed-loans) and the [BLOC ReFi Campaign Terms & Conditions](/legal/terms-and-conditions-bloc-refi-campaign), and authorize Roxom to send the payoff to your current lender.
      </Step>

      <Step title="Roxom sends the payoff directly to your current lender">
        Funds never pass through a third party, including you.
      </Step>

      <Step title="Set your Roxom custody address as the collateral withdrawal address at your current lender">
        Once your current lender releases the BTC, it lands in your Roxom funding account.
      </Step>

      <Step title="Your BLOC is active">
        The credit line is active as of the date Roxom sends the payoff. The first-month interest waiver starts from that date. See [Benefit: first month of interest waived](#benefit-first-month-of-interest-waived) below for the exact rules.
      </Step>
    </Steps>
  </Tab>

  <Tab title="You have spare BTC">
    **Use this if:** you hold BTC that isn't currently pledged as collateral at your current lender.

    <Steps>
      <Step title="Contact the refinance hotline">
        Message [+1 (682) 271-7956](https://wa.me/16822717956) on WhatsApp. The team walks you through the switch in English or Spanish and opens your BLOC at a 90% LTV.
      </Step>

      <Step title="Deposit your spare BTC to your Roxom funding account">
        Follow the standard [deposit flow](/help-center/crypto-deposits-withdrawals/how-to-deposit-crypto-into-my-roxom-account).
      </Step>

      <Step title="Open a BLOC against that BTC">
        Follow [How to open a credit line](/help-center/loans/how-to-open-a-credit-line).
      </Step>

      <Step title="Use the proceeds to repay your current lender">
        Send the USDT or USDC you borrowed to your current lender to close the existing loan.
      </Step>

      <Step title="Move the released collateral to Roxom">
        Once your current lender releases the BTC, deposit it into your Roxom funding account. That BTC lowers the LTV of your new BLOC.
      </Step>
    </Steps>
  </Tab>

  <Tab title="You have cash">
    **Use this if:** you can repay your current lender in full without waiting for the collateral to be released.

    <Steps>
      <Step title="Contact the refinance hotline">
        Message [+1 (682) 271-7956](https://wa.me/16822717956) on WhatsApp. The team walks you through the switch in English or Spanish and opens your BLOC at a 90% LTV.
      </Step>

      <Step title="Repay your current lender in full">
        Use your own funds to close the existing loan.
      </Step>

      <Step title="Withdraw the released BTC to your Roxom funding account">
        Once your current lender releases the collateral, deposit it into Roxom.
      </Step>

      <Step title="Open a BLOC against that BTC">
        Follow [How to open a credit line](/help-center/loans/how-to-open-a-credit-line) to restore your cash position.
      </Step>
    </Steps>
  </Tab>
</Tabs>

## Who can refinance

To participate, you must:

* Hold an active Roxom account with completed [KYC](/help-center/kyc/how-to-complete-your-account-verification-kyc) or [KYB](/help-center/kyc/business-verification).
* Be the borrower of record of the existing loan, under the same name as your Roxom account.
* Have an existing loan collateralized with BTC, outstanding and in good standing with the other lender.
* Meet the requirements of the [BLOC Terms & Conditions](/legal/terms-and-conditions-btc-backed-loans).

You must also provide evidence of the existing loan, such as a recent statement or a payoff quote from the other lender showing the outstanding balance, the collateral, and the applicable rate. Roxom may request additional information at any time.

<Note>
  The Campaign applies to one existing loan per user, and only to your **first** refinanced loan on Roxom. Any subsequent refinancing, credit limit increase, or additional credit line is governed exclusively by the BLOC Terms & Conditions, without Campaign benefits.
</Note>

<Warning>
  The refinance Campaign is not available to residents of, or users accessing from, the United States, Iran, Myanmar, North Korea, China, Russia, or any other jurisdiction restricted under Roxom's [General Terms and Conditions](/legal/terms-and-conditions).
</Warning>

## What you'll need

* A verified Roxom account.
* An up-to-date payoff quote from your current lender.
* Access to your current lender's account to update your collateral withdrawal address to your Roxom custody address.

## Benefit: first month of interest waived

The refinanced loan accrues interest from origination like any other BLOC. If the refinanced loan is **still active twelve (12) months after origination**, Roxom rebates **100% of the interest accrued during the first thirty (30) days** of the refinanced loan.

* The rebate is calculated on the principal outstanding on the **seventh (7th) day** after origination. Any increase in principal after that day is excluded.
* The rebate is credited to your Roxom account in the **same stablecoin** as the refinanced loan (USDT or USDC).
* The loan is considered active as long as it hasn't been fully repaid, fully liquidated, or terminated. Partial repayments and partial liquidations don't affect this condition.
* If the loan ceases to be active before the 12-month mark, for any reason, the rebate is not credited.

## Rate

The refinanced loan bears the rate in force under the [BLOC Product Annex](/legal/terms-and-conditions-btc-backed-loans) at origination, currently **7.25% APR**.

The rate is **fixed**: it does not fluctuate day to day with market conditions, so you always know what you are paying. Fixed does not mean fixed forever — the APR references **SOFR** (Secured Overnight Financing Rate), and Roxom may adjust it going forward with prior notice. When the rate changes, the new rate applies to future accruals only. Interest already accrued on your active loan is never re-priced retroactively. See the [Variable APR policy](/help-center/loans/rates-and-terms#variable-apr-policy) for details.

## Human margin call

If your refinanced loan reaches the [margin call threshold](/help-center/loans/ltv-margin-calls-and-liquidation), Roxom may attempt to contact you by phone as an additional courtesy on top of the standard margin call email. This is a best-effort service and not an obligation.

You remain solely responsible for monitoring your LTV and keeping your contact details up to date. A call, message, or conversation does not modify the margin call or liquidation thresholds, does not extend the cure window, and does not delay a liquidation. See [LTV, margin calls, and liquidation](/help-center/loans/ltv-margin-calls-and-liquidation) for the full mechanics.

## After the switch

Once refinanced, your loan works like any other BLOC. Your BTC is frozen in your funding account and held in segregated custody. It's never lent out or commingled. There is no fixed term and no prepayment penalty, so you can repay whenever you want.

<CardGroup cols={2}>
  <Card title="Repayment and interest" icon="money-bill-transfer" href="/help-center/loans/repayment-and-interest">
    How interest accrues and how to repay.
  </Card>

  <Card title="LTV, margin calls, and liquidation" icon="chart-line" href="/help-center/loans/ltv-margin-calls-and-liquidation">
    Thresholds, cure window, and what happens if BTC drops.
  </Card>

  <Card title="Custody and security" icon="shield-halved" href="/help-center/loans/custody-and-security">
    How your BTC is held, segregated, and protected.
  </Card>

  <Card title="Rates and terms" icon="percent" href="/help-center/loans/rates-and-terms">
    APR, limits, term, and currency.
  </Card>
</CardGroup>

## FAQ

<AccordionGroup>
  <Accordion title="Does refinancing cost anything?">
    Roxom doesn't charge any fees to refinance. Your current lender may charge closing or early repayment fees, and a network fee applies when your BTC is withdrawn. Review your existing loan terms before you start.
  </Accordion>

  <Accordion title="How does the first-month interest waiver work?">
    Roxom waives 100% of the interest accrued during the first 30 days of the refinanced loan, calculated on the principal outstanding on the 7th day after origination. The rebate is credited to your Roxom account in the same stablecoin as the refinanced loan, once the loan reaches 12 months active. If the loan ceases to be active before that, the rebate is not credited.
  </Accordion>

  <Accordion title="What happens if the BTC price moves during the switch?">
    Your payoff quote is fixed by your current lender for a limited time. Your LTV at Roxom is calculated when your BLOC activates. The hotline team monitors the process until your collateral lands in your Roxom funding account.
  </Accordion>

  <Accordion title="Is refinancing a taxable event?">
    You don't sell any BTC when you refinance. A loan is generally not a disposition of the asset in most jurisdictions, but tax treatment depends on where you live. Check with a tax advisor.
  </Accordion>

  <Accordion title="Can I refinance if I'm in the US?">
    No. The Campaign is not available to residents of, or users accessing from, the United States, and other restricted jurisdictions listed in the [BLOC ReFi Campaign Terms & Conditions](/legal/terms-and-conditions-bloc-refi-campaign).
  </Accordion>

  <Accordion title="Is there a minimum or maximum amount I can refinance?">
    The minimum is **200 USDT or 200 USDC**, the same as any BLOC. There is no preset maximum for refinancing: the hotline team sizes each ticket case by case based on your existing loan and collateral.
  </Accordion>

  <Accordion title="How do I start?">
    Visit [roxom.com/refi](https://roxom.com/refi) or message the refinance hotline on WhatsApp at [+1 (682) 271-7956](https://wa.me/16822717956). The team responds in English and Spanish.
  </Accordion>
</AccordionGroup>

<Warning>
  This content is for informational purposes only and does not constitute investment advice. Trading digital assets involves significant risk, including the potential loss of your entire investment. Please review our [Risk Notice](/legal/risk-notice) before trading.
</Warning>