Why Choose Safebay
We offer Singapore Dollar loans backed by your Bitcoin holdings with institutional-grade security
What We Offer
The BTC-backed SGD loans for accredited investors and businesses in Singapore
For Accredited Investors
Don't sell your Bitcoin. Borrow and use cash while the value of your crypto continues to grow.
For Businesses
Leverage your Bitcoin to start the business, scale your operations or cover operational expenses.
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Loans in SGD up to 50% of the crypto asset value
Receive funds within 24 hours, automatic approval
No rehypothecation of BTC collateral, secured with a licensed custodian
Flexible repayment – anytime or at the end of the term
Transparent terms, no hidden fees
Loan Calculator
Estimate your loan amount and monthly payments
Loan Parameters
Up to 50%
Fixed at maximum LTV
12% p.a.
Fixed rate for all loans
Loan Estimate
Maximum Loan Amount
50% of your Bitcoin collateral
Monthly Interest Payment
Interest-only payments during loan term
* This is an estimate only. Actual terms may vary based on assessment.
* Principal repayment due at end of loan term (bullet payment).
* Early repayment allowed without penalty.
* Bitcoin price updates automatically from CoinGecko every 2 minutes.
Key Loan Terms
How to borrow
Onboard & Verify
Complete KYC and accredited investor check
Receive Collateral Wallet
Receive a unique BTC deposit address from our licensed custodian
Deposit Your BTC
Deposit your BTC collateral and receive custody confirmation
Draw Down Fiat
Request and receive your SGD loan wired to your bank account
Manage Your Loan Real-Time
Repay interest monthly and principal at any time
Monitor LTV
Receive notifications if BTC price declines
Full Repayment
Upon full repayment, BTC is released back to your wallet
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Security and Protection of Your Assets
Your trust is our greatest responsibility
At Safebay, the security of your Bitcoin collateral is our highest priority. We combine independent institutional custody, strong legal safeguards and real-time monitoring so you can borrow fiat with complete confidence.
Safe and simple
We keep things focused and secure by supporting only BTC and SGD - two of the most established and respected assets in the industry.
No Rehypothecation
Your BTC collateral stays exactly where it belongs - in a segregated trust wallet - and is released back to you in full once your loan is repaid. We never use your assets for DeFi yield farming or any other high-risk activities.
Institutional Custody
Your Bitcoin is safeguarded with a top-tier, MAS-regulated custodian partner. Our multi-party control structure ensures that no single entity - including Safebay - can move funds unilaterally.
Segregated Wallets for Every Customer
Your BTC is never mixed with anyone else's. Each customer's collateral is held in a dedicated on-chain wallet, so you can verify your holdings at any time.
Protection, Encryption & Rapid Response
We follow the security standards of leading financial institutions. Safebay encrypts all passwords and sensitive data and operates under strict internal security policies. 2-Factor Authentication (2FA) is required for login and key platform actions. Collateral and custodian policy changes are monitored 24/7 with automated alerts.
Insurance & Risk Controls
Your collateral is covered by institutional-grade insurance at our custodian, with conservative exposure limits spread across wallets to minimize concentration risk.
FAQ
The answers to your questions
You don't need to sell your Bitcoin. Maintain your appreciating crypto assets while accessing SGD liquidity at competitive and transparent pricing for any needs.