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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.

Coming soon. Rates and limits below reflect the planned launch parameters and may be adjusted before the product goes live.

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TL;DR

The Bitcoin-Backed Credit Line costs 7% APR, has no maturity date, lets you borrow between 1% and 50% of your BTC value in USDT, with a minimum of USDT 200 and an initial maximum of USDT 100,000. Only one active loan per user is allowed. There is no origination fee and no prepayment penalty.

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Quick facts

ItemValue
Interest rate7% APR
Daily interest rate0.0192% (7% ÷ 365)
CompoundingDaily
TermOpen-ended (no maturity)
LTV at origination1%–50%
Minimum loanUSDT 200
Initial maximum loanUSDT 100,000
Loan currencyUSDT
Concurrent loans per user1
Origination feeNone
Prepayment penaltyNone
Liquidation fee2% on the BTC sold during liquidation

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Interest rate

  • The initial rate is 7% APR.
  • Interest accrues daily on the total outstanding balance (daily compound) at a rate of 0.07 / 365 = 0.0192% per day.
  • The rate is variable. Roxom can adjust it with prior notice.
  • Rate changes apply to new loans. Active borrowers receive notification.
For loans closed before 12 months, the actual cost is proportionally lower.

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Term

The loan is open-ended. There is no maturity date.
  • Keep the loan open as long as you want, provided your LTV stays within thresholds.
  • Repay partially or in full at any time.
  • There is no prepayment penalty.
For LTV thresholds and what happens if BTC drops, see LTV, margin calls, and liquidation.

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How much can I borrow?

ParameterValue
LTV at originationBetween 1% and 50% of the USD value of your BTC
Minimum loanUSDT 200
Initial maximum loanUSDT 100,000
The maximum loan limit will expand over time as the product scales. For larger amounts, Roxom works directly with borrowers on a case-by-case basis.

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One active loan at a time

Only one Bitcoin-Backed Credit Line per user can be open at any moment. To open a new loan, the previous one must be fully repaid and closed.

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Currency

Funds are initially disbursed in USDT.

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Fees

  • Origination fee: none.
  • Prepayment penalty: none.
  • Liquidation fee: 2% on the BTC sold during a liquidation (partial or full).
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 before trading.
Last modified on May 18, 2026