Get Instant Credit
Amplified With
AI and ₿itcoin

Personalised loans for SMEs and individuals — competitive and personalised rates, no bitcoin collateral needed.

Learn More

Mission

We Empower SMEs & Individuals With Affordable Credit

₿itvault redefines lending by embedding Bitcoin’s growth into every loan. Borrowers access cash instantly while both lenders and borrowers benefit from ₿itcoin's appreciation. No need for hodling any ₿itcoin—₿itvault handles the collateral.

Rates 30 - 50% below banks

We tap into ₿itcoin's proven positive CAGR and AI to beat traditional market rates

AI driven
credit scores

We use Artificial Intelligence to calculate personalised credit scores

Approval in minutes

Instant underwriting and access to funds

See Pricing

Our Services

Underwriting Expertise & Bitcoin Innovation

With deep underwriting expertise, we’re offering borrowers access to Bitcoin’s upside without upfront ownership, while lenders profit from a dual income stream: interest + optionality premiums.

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Credit Underwriting

Deep expertise in credit underwriting

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Credit Underwriting

Deep expertise in credit underwriting

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Credit Underwriting

Deep expertise in credit underwriting

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Personalised Rates

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Class OpenBankingCreditLimit { uint monthlyIncome; uint monthlyExpenses; uint savingsBalance; uint creditScore; uint creditLimit; }}

function

We created a versatile AI driven underwriting engine that understands cash flow transactions.

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Personalised Terms

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Class OpenBankingCreditLimit { uint monthlyIncome; uint monthlyExpenses; uint savingsBalance; uint creditScore; uint creditLimit; }}

function

We created a versatile AI driven underwriting engine that understands cash flow transactions.

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Personalised Rates

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Class OpenBankingCreditLimit { uint monthlyIncome; uint monthlyExpenses; uint savingsBalance; uint creditScore; uint creditLimit; }}

function

We created a versatile AI driven underwriting engine that understands cash flow transactions.

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Bitcoin Advocates

20% CAGR

Tradfi Adoption

Savings Tech

We tap into Bitcoin's annual growth rate to offer competitive rates to borrrowers. A hybrid instrument blending secured lending with embedded crypto upside.

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Bitcoin Advocates

20% CAGR

Tradfi Adoption

Savings Tech

We tap into Bitcoin's annual growth rate to offer competitive rates to borrrowers. A hybrid instrument blending secured lending with embedded crypto upside.

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Bitcoin Advocates

20% CAGR

Tradfi Adoption

Savings Tech

We tap into Bitcoin's annual growth rate to offer competitive rates to borrrowers. A hybrid instrument blending secured lending with embedded crypto upside.

AI-Driven Solutions

AI-Driven Solutions

AI-Driven Solutions

Data Insight

Data Insight

Data Insight

Analytics

Analytics

Analytics

Real-Time

Real-Time

Real-Time

Simple Pricing

Transparent Terms

Transparent Terms, Competitive Rates

We offer adaptable pricing solutions for businesses of any size.

We offer adaptable pricing solutions for businesses of any size.

Small Business Boost:

Ideal for SMEs

Get Started

Get Started

Get Started


Loan Amount: €1K–€10K

Rates: 30 - 50% cheaper than banks

Term: 6–12 months

Personal Advance:

Ideal for Individuals

Get Started

Get Started

Get Started


Loan Amount: €500–€5K

Rates: 30 - 50% cheaper than banks

Term: 3–12 months

Need to Know

Frequently Asked Questions

What makes Bitvault loans different from bank loans?

How does AI enhance the rates provided by Bitvault?

How does Bitvault ensure the quality of its AI solutions?

How does Bitvault use Bitcoin to offer lower rates?

Does Bitvault offer customized rates?

What makes Bitvault loans different from bank loans?

How does AI enhance the rates provided by Bitvault?

How does Bitvault ensure the quality of its AI solutions?

How does Bitvault use Bitcoin to offer lower rates?

Does Bitvault offer customized rates?

What makes Bitvault loans different from bank loans?

How does AI enhance the rates provided by Bitvault?

How does Bitvault ensure the quality of its AI solutions?

How does Bitvault use Bitcoin to offer lower rates?

Does Bitvault offer customized rates?