Banki Credit

Borrow against your crypto. No paperwork, on-chain.

Draw USD against your WETH collateral via Kaiju Finance. Fixed-LTV ceiling, variable draw, no fixed schedule. Repay on-chain.

Open credit line Read the docs

What you get

Battle-tested on-chain credit protocol. Your WETH sits in a non-custodial vault, you draw USD stablecoins against it.

Non-custodial collateral

You keep custody keys. Kaiju only holds the collateral while your draw is open. No rehypothecation.

Safe-LTV liquidation

You get alerts as WETH price moves. Liquidations only fire above the safe LTV — no surprise margin calls.

Live credit summary

Max credit line, available, outstanding, current LTV, safe LTV — all in your dashboard.

No paperwork

No income verification, no credit score, no in-person interview. The blockchain is your credit history.

Repay on-chain

Send USD stablecoin to the agreement. Draw reduces instantly. No fixed schedule, no penalties for early repay.

In practice

Personal · Ravi · ETH holder who needs cash

Ravi holds 2 ETH (~$3,000) and wants $800 for a trip without selling. He opens a credit line on Banki Credit, deposits the ETH as collateral, draws $800. LTV starts at 27%. Repays $400 a month later.

$800

Drawn in 1 transaction

At a glance

70%

Max LTV

Origination fee

~2s

Draw settlement

24/7

Draws + repay