How Ethereum Bliss sizes borrowing power
Instead of collecting stacks of paperwork, Ethereum Bliss looks at who you are (ID-verified), how you use Ethereum (wallet size and activity) and how you behave (repayment history) to set clear borrowing ranges. Collateral loans lock your ETH and let you borrow around 120% of your holdings, while non-collateral loans keep your ETH in your wallet and let you borrow around 100% of your holdings as extra balance.
Your ETH is locked as collateral; you borrow roughly 120% of your holdings at a baseline rate of 10% p.a. while keeping long-term price exposure.
Your ETH stays in your wallet; you borrow roughly 100% of your holdings as additional balance at a baseline rate of 15% p.a. with no asset lock.
Up to 3 months for personal loans, 12 months for students and up to 3 years for businesses, with fair extensions available when you coordinate with support in advance.
Why borrowers choose Ethereum Bliss over traditional banks
Ethereum Bliss is built for people who hold or understand digital assets and want a clear, asset-aware way to borrow without waiting weeks for decisions.
Asset-backed instead of salary-locked
Banks focus heavily on salary slips and local credit files. Ethereum Bliss focuses on the value and quality of your Ethereum wallet, combined with identity checks and conduct rules.
- Borrowing power linked to holdings and collateral, not just payslips.
- Works for entrepreneurs, traders and remote workers with non-traditional income.
Fast, transparent decisions
Once your identity and wallet are verified, you use calculators to see realistic figures before you send any request. The same numbers appear in your My Account dashboard after approval.
- Structured calculators instead of open-ended application forms.
- Clear collateral and non-collateral paths with visible limits.
Discipline with real flexibility
Deliberate non-payment or serious abuse can result in a permanent ban and, when needed, legal action. At the same time, if you know you will need more time, you are expected to contact support before the due date so your plan can be updated.
- Firm response to repeated non-payment and attempts to bypass rules.
- Case-by-case extensions for genuine issues agreed with support in advance.
Borrowers by country
Borrowing is concentrated in a few key regions with strong Ethereum adoption and active communities that understand crypto-backed credit.
- 🇦🇪 UAE 234,480 30.8%
- 🇺🇸 US 182,340 23.9%
- 🇬🇧 UK 146,780 19.2%
- 🇮🇳 India 198,920 26.1%
Regional borrowing patterns
A strong concentration in the UAE reflects a local focus on crypto-backed business facilities and the ability to meet larger clients in person. The US, UK and India contribute a wide base of students, professionals and businesses who already understand digital assets and prefer Ethereum-backed credit over traditional-only loans.
The regional mix helps diversify risk while still recognising that some hubs naturally host more active Ethereum users than others.
Top 10 high-value borrowers
The accounts below represent the kind of high-value borrowing that Ethereum Bliss supports. Each facility is above USD 100,000. Several UAE clients and in-person relationships hold facilities well above USD 500,000, with email addresses partially masked in line with privacy standards.
| Borrower | Country | Loan type | Current facility (USD) | Contact email |
|---|---|---|---|---|
Amira Al Mansoori
In-person business client – UAE
|
🇦🇪 UAE | Collateral – business | $940,623 | amira.m***@gmail.com |
Khalid Rahman
In-person startup founder – UAE
|
🇦🇪 UAE | Collateral – business | $612,480 | khalid***@hotmail.com |
Jordan Mitchell
Quant trader – US
|
🇺🇸 US | Wallet-based – personal | $428,900 | [email protected] |
Priya Nair
Graduate student – India
|
🇮🇳 India | Wallet-based – student | $218,400 | [email protected] |
Oliver Reid
SME owner – UK
|
🇬🇧 UK | Collateral – business | $302,150 | [email protected] |
Lina Al Hashimi
In-person consultant – UAE
|
🇦🇪 UAE | Wallet-based – personal | $121,600 | lina***@icloud.com |
Diego Lopez
Developer – US
|
🇺🇸 US | Collateral – personal | $184,350 | [email protected] |
Fahad Al Qasimi
In-person angel investor – UAE
|
🇦🇪 UAE | Wallet-based – business | $219,400 | f***@proton.me |
Sofia Khan
Analyst – UK
|
🇬🇧 UK | Wallet-based – personal | $147,900 | [email protected] |
Chinedu Okafor
SME owner – Nigeria
|
🇳🇬 Nigeria | Collateral – business | $163,275 | [email protected] |
Names are anonymised and some email addresses are partially masked, especially for in-person relationships, in line with privacy and security standards.
Borrowers over time (2021–2025)
Ethereum Bliss has grown together with the wider Ethereum ecosystem. More students, individuals and businesses now prefer borrowing against digital assets instead of fully closing positions when they need liquidity.
How this growth is managed
- Early years focus on smaller, cautious borrowing with tight collateral coverage.
- As more users repay on time, larger business and startup facilities become possible.
- Growth remains disciplined – missing payments without engagement leads to bans, while users who contact support before issues arise can agree realistic extensions.
Why borrow with Ethereum Bliss and why use digital assets?
Ten short questions and answers that many borrowers ask before they decide to use their Ethereum with Ethereum Bliss.