Annual and daily rates side by side
Both paths use simple, transparent pricing. The daily values below are approximate and help you understand how interest behaves over time.
Collateral loans (ETH locked)
10% p.a.
≈ 0.027% per day
- ETH is locked as collateral during the loan.
- Lower pricing and more conservative risk profile.
- Works well for long-term holders who do not want to sell.
Non-collateral loans (wallet-based)
15% p.a.
≈ 0.041% per day
- No ETH is locked, but your wallet must be strong and active.
- Higher pricing to reflect higher risk.
- Strict conduct rules and clear expectations on repayment.
Rate comparison
Bars animate as they come into view.
The non-collateral bar is taller to highlight the higher annual rate and added responsibility when borrowing without locked ETH.
Borrower types, limits and timeframes
Current limits are aligned with the calculators: personal up to USD 5,000, student up to USD 10,000 and business up to USD 50,000. Larger facilities are available for strong, verified users in the UAE and for clients who visit in person.
Personal loans
| Type | Max amount | Annual rate | Approx. daily | Typical term |
|---|---|---|---|---|
| Collateral | Up to USD 5,000 | 10% p.a. | ≈ 0.027% / day | Up to 3 months |
| Non-collateral | Up to USD 5,000 | 15% p.a. | ≈ 0.041% / day | Up to 3 months |
Student loans
| Type | Max amount | Annual rate | Approx. daily | Typical term |
|---|---|---|---|---|
| Collateral | Up to USD 10,000 | 10% p.a. | ≈ 0.027% / day | 3 – 12 months |
| Non-collateral | Up to USD 10,000 | 15% p.a. | ≈ 0.041% / day | 3 – 12 months |
Business loans
| Type | Max amount | Annual rate | Approx. daily | Typical term |
|---|---|---|---|---|
| Collateral | Up to USD 50,000 | 10% p.a. | ≈ 0.027% / day | 6 – 36 months |
| Non-collateral | Up to USD 50,000 | 15% p.a. | ≈ 0.041% / day | 6 – 36 months |
| High-value (UAE / in-person) | Above USD 50,000 | 10% or 15% p.a. | Depends on structure | Up to 3 years |
Facilities above USD 50,000 are normally reserved for users in the UAE or for those who visit in person. Very large facilities may require an in-person meeting and extra checks before the structure is confirmed.
How LTV and timeframes work together
The calculators use simple LTV logic that matches these rates. When you enter your holdings, the platform calculates how much you can borrow and how much remains locked or available to withdraw.
Example LTV setup
If your verified wallet shows USD 5,000 in holdings:
- Non-collateral loan: You can borrow 100% of your holdings as a loan (USD 5,000), giving a total position of USD 10,000 across wallet + loan, all available to withdraw.
- Collateral loan: Your USD 5,000 is locked as collateral and you can borrow 120% of your holdings (USD 6,000). Your combined position is USD 11,000, with USD 6,000 available to withdraw.
Timeframes per borrower type
All products use the same annual rates, but each borrower type has its own typical timeframe. The bars animate from the bottom to highlight how long each facility can run.
You can still repay early. Many users choose shorter actual repayment periods than the maximums shown above to keep interest lower.
Staying within your limits
- Only request what you can repay comfortably within the chosen timeframe. Use Borrow & Calculators to test different amounts before sending a live request.
- Defaulting, providing false information or trying to bypass limits (for example by using multiple wallets) can lead to a permanent ban and may trigger legal action.
- If you know in advance that you may struggle with a repayment date, contact support early. In genuine cases, Ethereum Bliss can discuss extensions or restructures on a case-by-case basis.
- For large or complex facilities, especially those above standard limits, you may be asked to complete extra checks or attend an in-person meeting in the UAE.
Approached correctly, these rates give you a stable way to use digital assets for borrowing without selling everything. Combine this page with Overview, How It Works and the calculators so you have the full picture before committing.