Free crypto credit score

See your borrowing power.

No credit check, no income proof. Your crypto is your qualification. Collateral sets your limit, your on-chain reputation sets your rate. Free, instant, and we never see your keys.

Bitcoin to lockBTC

BTC priceeditable

Other crypto to lockUSD value

Years you have held crypto3 yr

Different assets or chains you hold2

Repaid a crypto loan before?

Collateral value $10,000

Your grade non-custodial

680

out of 900

Credit limit$5,00050% of your collateral

Interest rate~10% APRvs 20 to 30% on an unsecured card

Monthly cost at full limit~$42interest only, on what you borrow

Liquidation buffer~41%bitcoin can fall this far first, and we warn you

Credit checkNoneyour collateral qualifies you

How you got your grade

Base500

Years holding+90

Assets held+30

Repayment history+0

Holdings size+60

Your score680

Raise your grade

Repay a loan with Iron the single biggest lever, +120

Hold longer +30 per year, up to 5 years

Diversify what you hold +15 per asset or chain

Add collateral larger holdings raise your tier

How grades map to terms

This is not a discount ladder. Every grade is a level of trust we are willing to extend, priced in LTV and rate because those are the only honest units trust comes in. Climb it by holding longer and repaying with us, and the terms simply catch up to the track record you already have.

GradeScoreMax LTVRate

AAA800+60%~6%

A700+55%~8%

B600+50%~10%

C500+45%~13%

D0+40%~16%

Illustrative and educational, not a credit offer. Real terms require identity verification and a live on-chain assessment. As you borrow and repay with Iron, your grade rises, which lifts your LTV and lowers your rate, the path toward unsecured credit.

Lock in your rate

Join the waitlist and we will tell you the moment your grade can become a real Iron card and credit line.

We never take custody of your bitcoin, and we never sell your data.