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Bitcoin Yield & Borrowing - Redefined

Add collateral, earn yield, and borrow fiats - all without losing control.

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Trusted by industry leaders

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Trusted and Transparent

Bitcoin that grows, pays, and empowers.

Mobilum turns your Bitcoin into a financial tool. Use it as collateral, earn from staking, access instant liquidity, and spend seamlessly by card - all in one secure platform.

Clear risk indicators

Transparent APR rates

Supply
Collateral

Secure your position using your own Bitcoin or other crypto assets.

Earn Global
Yield

Stake your collateral and grow your assets with competitive interest rates.

Borrow

Get instant cash from your loan, delivered directly to your Mobilum payment card.

How It Works

01

Connect Your Wallet

Use MetaMask, Ledger, or any supported Web3 wallet.

02

Lock Your Assets

Deposit collateral to activate an Earn or Borrow cash.

03

Earn or Borrow

Choose a rate of return, cash or both - all just a click away.

Why Choose Us?

Non-Custodial

Your collateral always stays under
your control

Regulated & Secure

Built with compliance-first
architecture

Dual Strategy

Earn when you hold, borrow
when you need

Earn vs Borrow - Simple Logic

Below 50% LTV = Earn.
Above 50% LTV = Borrow.

With Mobilum you don’t have to choose between earning and borrowing. Your LTV sets the balance - under 50% the focus is on growing your assets, above 50% it shifts toward borrowing power. One system, two seamless outcomes.

We’re here to answer all your questions

What is a Bitcoin-backed loan?

A Bitcoin-backed loan lets you use your Bitcoin as collateral to access cash, without selling your crypto. Moreover, your Bitcoin is working for you all the time therefore you are earning while spending at the same time.

How does it work?

You deposit Bitcoin into your non-custodial wallet, lock it as collateral, and receive cash instantly on your Mobilum payment card. Meanwhile, your bitcoin is yielding.

Where do I receive the loan funds?

The loan amount is loaded directly onto your Mobilum payment card, giving you instant liquidity to spend anywhere.

Where do I receive my Earn funds?

Exactly the same place where the loan funds go - directly to the card.

What happens if the Bitcoin price drops?

If your LTV rises above the safe threshold, you may need to add more collateral or repay part of your loan to avoid liquidation.

What is LTV (Loan-to-Value)?

LTV shows the ratio of the loan to the value of the bitcoin collateral. A lower LTV means safer conditions away from liquidation and higher Earnings!

How fast can I access my loan?

Funds are available instantly after collateral confirmation in your wallet.

Do I keep ownership of my Bitcoin?

Yes. Your Bitcoin remains yours. It is securely locked as collateral in smart contract and returned once your loan is repaid.

Are you spending too much time managing payments manually?

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How secure is your current payment system?

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Is integrating payments into your app becoming too complex?

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Are you tired of high transaction fees and hidden charges?

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Need to split payments between vendors or partners?

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How smooth is your onboarding process for paid users?

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Can your system support dynamic pricing or discount codes?

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Want to simplify how you manage transactions across countries?

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Is your team overwhelmed managing payment disputes?

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Can your platform handle usage-based billing models?

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Are you spending hours reconciling monthly payments?

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