> ## 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.

# What is Roxom Loans?

> Roxom Loans is the collateralized lending engine within Roxom. The first instrument is the BLOC (Bitcoin Line of Credit).

## 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.

## Quick facts

| Item                      | Value                            |
| ------------------------- | -------------------------------- |
| Product                   | Roxom Loans (lending engine)     |
| First instrument          | BLOC (Bitcoin Line of Credit)    |
| Collateral (V1)           | BTC                              |
| Loan currency (V1)        | USDT                             |
| Max LTV at origination    | 50%                              |
| Term                      | Open Ended (no maturity)         |
| Credit check              | None. Collateral is your credit. |
| Concurrent loans per user | 1                                |
| Status                    | Live                             |

## 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**](https://roxom.com/exchange/account/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.

## 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.

## 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](/campaigns/carry-trade) 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.

## 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.

## Roadmap within Roxom Loans

<CardGroup cols={2}>
  <Card title="BLOC — Bitcoin Line of Credit (V1)" icon="bitcoin">
    BTC collateral, USDT loan, open-ended term, no credit check. **Live, limited access.**
  </Card>

  <Card title="Roxom Carry" icon="rotate" href="/campaigns/carry-trade">
    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.
  </Card>

  <Card title="STRC / SATA-Backed Loans" icon="layer-group">
    Tokenized equity holdings used directly as collateral. Expands the collateral universe beyond BTC for users already holding Roxom's asset ecosystem.
  </Card>

  <Card title="API / Institutional access" icon="plug">
    B2B lending infrastructure for partners building on top of Roxom Loans. Available at a later stage.
  </Card>
</CardGroup>

## Where to go next

<CardGroup cols={2}>
  <Card title="BLOC (Bitcoin Line of Credit)" icon="bitcoin" href="/help-center/loans/bitcoin-backed-credit-line">
    The first instrument: how it works and why it exists.
  </Card>

  <Card title="How to open a credit line" icon="circle-play" href="/help-center/loans/how-to-open-a-credit-line">
    Step-by-step operational guide: open, monitor, adjust, and repay.
  </Card>

  <Card title="Rates and terms" icon="percent" href="/help-center/loans/rates-and-terms">
    APR, limits, term, and currency.
  </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="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="Repayment and interest" icon="money-bill-transfer" href="/help-center/loans/repayment-and-interest">
    How interest accrues and how to repay.
  </Card>

  <Card title="Risk and regulation" icon="scale-balanced" href="/help-center/loans/risk-and-regulation">
    Hard questions and regulatory backing.
  </Card>
</CardGroup>

## Glossary

Quick reference for the terms used across Roxom Loans documentation.

| Term                    | Meaning                                                                                                                                                                                                         |
| ----------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **APR**                 | Annual Percentage Rate. The annual interest rate on the loan. In Roxom Loans it is currently **7.25% APR (variable)**.                                                                                          |
| **Simple interest**     | Interest is calculated daily on the **original borrowed amount** (principal only). Accrued interest is not added to the calculation base, so the daily interest charge stays constant for the life of the loan. |
| **LTV**                 | Loan-to-Value. The ratio of your debt to the USD value of your BTC collateral. The main risk indicator of the loan.                                                                                             |
| **Accrual**             | The daily process that adds the day's interest to the total debt. It runs every 24 hours from the loan creation timestamp.                                                                                      |
| **Freeze / Unfreeze**   | A freeze marks BTC as unavailable while the loan is active. Unfreeze releases it back to your funding account after full repayment.                                                                             |
| **Top-up**              | Adding BTC to an existing loan to lower the LTV without repaying debt.                                                                                                                                          |
| **Margin call**         | A warning email sent when LTV reaches 70%. The loan stays active, but the user should add collateral or repay to lower the LTV.                                                                                 |
| **Waterfall**           | The order in which a payment is applied: accrued interest first, then principal.                                                                                                                                |
| **Partial liquidation** | Automatic sale of the minimum BTC needed to bring LTV back to 65%, triggered at 80% LTV. Non-reversible: BTC sold is not returned if the price recovers afterward.                                              |
| **Full liquidation**    | Sale of the full BTC collateral, triggered when the BTC that would be returned to the user after covering the debt would be below USDT 200.                                                                     |

<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>