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TL;DR

Roxom Loans is the collateralized lending engine inside Roxom. It takes digital assets as collateral and issues credit against them. The first instrument it powers is the BLOC (Bitcoin Line of Credit): deposit BTC, receive USDT, repay whenever you want, no fixed term, no credit check.

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Quick facts

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Eligibility and access

Roxom Loans is live and available to all users with a verified Roxom account.
  • How do I access it? Open your Portfolio menu and click Loans.
  • KYC. Roxom Loans uses the same KYC as the rest of your Roxom account. No additional KYC step is required.
  • Restrictions. Roxom Loans does not introduce additional jurisdictional or product restrictions beyond those that already apply to your Roxom account.

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What is Roxom Loans?

Roxom Loans is the collateralized lending engine inside the Roxom platform. It takes digital assets as collateral and issues credit against them. The engine is asset-agnostic by design. Today it accepts BTC, and it is built to expand. The first instrument it powers is the BLOC (Bitcoin Line of Credit). In Roxom, our mission is to build the financial infrastructure for the Bitcoin economy: giving holders real tools to put their BTC to work without giving it up.

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The vision behind Roxom Loans

The core idea: you shouldn’t have to sell your BTC to access liquidity or to participate in real-world asset yields. The strategic flow Roxom is building looks like this:
  1. You keep your BTC as collateral.
  2. You take a USDT loan against it.
  3. You can use those USDT to buy STRC (or any other tokenized equity on Roxom) and earn dividends. This is the same logic that underpins the future Roxom Carry instrument, where the dividend yield helps offset the cost of borrowing.
The BLOC (Bitcoin Line of Credit) is not bundled with any specific use. The user receives USDT and is free to use those funds however they prefer (buy STRC, cover expenses, deploy elsewhere). The Roxom Carry instrument packages the full flow (BTC → loan → STRC → BTC yield) into a single product.

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Product architecture

There are two layers to keep in mind:
  • Roxom Loans is the product. It is the lending engine.
  • BLOC (Bitcoin Line of Credit) is the first instrument inside Roxom Loans.
This separation matters. Roxom Loans is a platform you learn once, and new instruments plug into the same engine over time.

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Roadmap within Roxom Loans

BLOC — Bitcoin Line of Credit (V1)

BTC collateral, USDT loan, open-ended term, no credit check. Live, limited access.

Roxom Carry

Instead of a USDT loan, users receive STRC/SATA tokenized equity exposure. The dividend yield generated by those assets covers the cost of borrowing, creating a net carry paid in BTC. Leveraged exposure to real-world asset yields, collateralized by BTC.

STRC / SATA-Backed Loans

Tokenized equity holdings used directly as collateral. Expands the collateral universe beyond BTC for users already holding Roxom’s asset ecosystem.

API / Institutional access

B2B lending infrastructure for partners building on top of Roxom Loans. Available at a later stage.

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Where to go next

BLOC (Bitcoin Line of Credit)

The first instrument: how it works and why it exists.

How to open a credit line

Step-by-step operational guide: open, monitor, adjust, and repay.

Rates and terms

APR, limits, term, and currency.

Custody and security

How your BTC is held, segregated, and protected.

LTV, margin calls, and liquidation

Thresholds, cure window, and what happens if BTC drops.

Repayment and interest

How interest accrues and how to repay.

Risk and regulation

Hard questions and regulatory backing.

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Glossary

Quick reference for the terms used across Roxom Loans documentation.
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 June 11, 2026