A comprehensive guide to crypto-backed INR lending on our peer-to-peer platform
Get instant liquidity against your crypto assets
Complete KYC with Aadhaar and PAN
Choose supported crypto (BTC, ETH, USDT)
Set desired loan amount (up to 50% LTV)
Lender accepts your terms and funds are transferred
Ethereum-based smart contracts handle collateral management, loan execution, and automatic liquidations. All contracts are audited by leading security firms and open-source for transparency.
Multiple price feeds from Chainlink, Band Protocol, and major exchanges ensure accurate real-time cryptocurrency valuations for collateral management and margin calls.
Multi-signature wallets, hardware security modules, and cold storage protect user funds. Regular penetration testing and bug bounty programs maintain security standards.
Built for the modern Indian crypto ecosystem with security and transparency at its core
Every loan is backed by cryptocurrency collateral, ensuring lender protection and borrower accountability.
Smart contracts automate the entire process, from collateral verification to fund disbursement.
Direct connection between borrowers and lenders means better rates and terms for everyone.
Access your funds anytime, anywhere. Our platform operates round the clock for your convenience.
Accept Bitcoin, Ethereum, and other major cryptocurrencies as collateral for maximum flexibility.
Your assets and data are protected by industry-leading security measures
All data transmission is encrypted using AES-256 encryption
Regular security audits by leading blockchain security firms
Full KYC verification for all users ensuring regulatory compliance
Platform insurance protects against technical failures and hacks
Everything you need to know about crypto-backed INR loans
We currently support Bitcoin (BTC), Ethereum (ETH), and USDT. More digital assets will be added soon. The complete list will be available at launch.
You can typically borrow up to 50% of your crypto's current market value. The exact Loan-to-Value (LTV) ratio depends on the asset's volatility and market conditions.
If your collateral value falls below the required threshold, you'll receive a margin call. To avoid liquidation, you can add more collateral or partially repay the loan.
Once your crypto is securely deposited and verified, the loan is executed through a smart contract. INR is typically disbursed to your bank account instantly via UPI.
No hidden fees. All charges are transparently shown upfront before any transaction. You'll always know the total cost in advance.
Yes. Pledg follows all applicable Indian regulations and enforces strict KYC and AML checks for every user before enabling transactions.
Interest rates are proposed by borrowers and accepted by lenders. Rates usually range between 8% and 15% annually, based on loan terms and collateral type.
Yes. You can repay your loan anytime without prepayment penalties. Your crypto collateral will be released immediately upon full repayment.
If a borrower doesn't repay, the lender has the right to claim the crypto collateral via smart contract enforcement, ensuring their capital is protected.
No. Crypto is held in a secure, non-custodial smart contract escrow. Pledg never has access to your private keys or assets.
Yes. All INR transactions on Pledg — including loan disbursal and repayment — are processed through UPI for instant, secure settlements.
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