Ethereum Bliss – Loan Options

Two lending paths, one disciplined framework

Both Ethereum Bliss loan families use the same foundation: your verified identity, a connected Ethereum wallet and clear LTV ratios. Collateral loans are backed by locked ETH and tend to have lower indicative pricing. Non-collateral loans rely more heavily on wallet strength and conduct, with more conservative limits and stricter rules around repayment and behaviour.

Collateral path

ETH-collateral loans (secured by locked ETH)

This path is designed for people and businesses who hold Ethereum and want to access liquidity without selling long-term positions. You lock a defined portion of your ETH as collateral and borrow a percentage of its value. The locked ETH and your connected wallet profile together form the basis for a structured, lower-risk credit line.

Security ETH locked as collateral

Sizing Borrow as a % of locked value

Use cases Individuals, students, businesses

You connect your wallet via Borrow & Calculators, and Ethereum Bliss applies LTV ratios so that, for example, a wallet with a strong ETH position might see a collateral loan range such as 40–60% of that locked value.
Your ETH remains on-chain and locked while the loan is active. You keep price exposure but cannot move the collateral until the loan is repaid according to the agreed schedule.
Collateral loans are available to individuals, students and businesses. As amounts increase, LTV becomes more conservative and further checks may apply, especially above approximately USD 500,000.
Once approved, funds are made available to withdraw to your connected wallet, and your repayment schedule is tracked inside My Account.

Best for: people and businesses who hodl ETH, want structured access to cash without selling, and value a clear, secured framework with transparent ratios.

Illustrative collateral ratio

As a simple example, eligible ETH worth 100% might support a collateral loan of around 40–60% of that value, depending on risk and profile.

Locked ETH value

100%

Illustrative loan: up to ~60% of value

Non-collateral path

Non-collateral loans (wallet-based)

Non-collateral loans are built for wallets with strong, organic history where behaviour matters as much as balance. Instead of locking ETH, Ethereum Bliss analyses your wallet value, age and transaction profile and applies conservative LTV bands. Because there is no separate collateral vault, pricing is higher and discipline is critical.

Security Wallet value & behaviour

Sizing Conservative % of wallet value

Risk profile Higher risk, stricter rules

The Borrow & Calculators page helps you see how a wallet with a given value might translate into an estimated non-collateral range – for example, 40%, 60% or 80%, depending on the strength of your profile.
Because there is no locked ETH, repayment behaviour and honesty are non-negotiable. Repeated late payments, missed payments or attempts to bypass limits can result in a permanent ban and may lead to legal action.
Non-collateral loans can support personal, student or business needs, but tend to suit users who are highly disciplined with cash flow and used to managing risk across crypto, forex or other markets.
If you know in advance that you will struggle to meet a due date, you are expected to contact support early. In genuine cases, Ethereum Bliss may extend or adjust terms case by case, but extensions are never automatic.

Best for: experienced users and active investors who value flexibility, accept higher pricing and are comfortable operating within strict conduct rules.

Illustrative wallet-based ratio

Depending on wallet age and behaviour, a tier might support borrowing of around 40–80% of its value, with stricter expectations around repayment and conduct.

Wallet value

100%

Illustrative loan: up to ~80% of value

Visual snapshot: collateral vs non-collateral

The comparison below highlights, at a high level, how typical maximum LTV and indicative pricing often differ between the two families. Values are illustrative only.

Typical maximum LTV

Collateral

Non-collateral

Relative pricing (APR)

Collateral

Non-collateral

Flexibility of usage

Collateral

Non-collateral

Personal, student and business profiles

Ethereum Bliss uses the same core building blocks – LTV, timeframe and wallet behaviour – across different borrower profiles. The key differences are how much you may qualify for and how long you can reasonably hold the loan.

Personal loans

Shorter-term facilities designed for everyday needs, emergencies and short gaps between income and expenses. Terms typically run up to around 3 months, with a focus on making sure repayments fit realistic cash-flow expectations.

Available in collateral and non-collateral form.
Sized so that repayments remain practical within a 3-month window.
Defaulting without communication can lead to a ban and potential legal steps.

Student loans

Structured for people who are studying and already hold or are building a crypto position. These facilities can support study costs and living expenses, with windows of up to around 1 year, often in smaller bands up to about 10k depending on profile.

Collateral and non-collateral variants, sized conservatively.
Focus on keeping repayments compatible with student income patterns.
Extensions can be considered in genuine cases where you contact support early.

Business loans

Designed for startups and established businesses that use Ethereum as part of their treasury or broader risk profile. Terms can run up to around 3 years, with loan sizes extending up to roughly 1m for stronger businesses and collateral setups.

Higher amounts usually require more conservative LTV and deeper checks.
Facilities above roughly USD 500,000 involve an in-person process in the UAE, booked via WhatsApp support.
Both collateral and non-collateral structures can be considered, but long horizons typically rely on strong collateral.

Choosing the right combination for you

You prefer stability and clearer security. A collateral loan with moderate LTV and a timeframe you are comfortable with is usually the best starting point. You keep exposure to ETH while borrowing a sensible percentage of its value.
You prioritise flexibility and speed. A non-collateral, wallet-based loan can be an option if your wallet has strong, organic history and you are comfortable with stricter discipline and higher indicative pricing.
You are still learning how borrowing and LTV work. Begin with smaller amounts on the collateral side and shorter terms. Use the calculators to understand how changing the amount and timeframe affects the ratio between your holdings and the loan you are requesting.
You expect your situation to change during the loan. Plan conservatively and remember that if genuine issues arise, you must contact support before any repayment is missed. Extensions or restructures can be discussed, but only when you engage early and honestly.

Once you have a clear picture of which path suits you, move through Verify Access and Borrow & Calculators to see the ranges that apply to your verified identity and connected wallet, then submit a live request on Request Loan.