Waitlist open

Waitlist open

Buy Now, Pay Later
Using Your Crypto

Lock your Bitcoin or Ethereum as collateral and split any purchase into installments, like Klarna, but powered by your crypto. No credit check. No SSN. Your position stays intact.

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Join the Waitlist

SMART & SIMPLER

Spend Today.
Keep Your Position.

CollateralPay identifies your crypto holdings and instantly creates purchasing power without liquidating a single satoshi. No credit bureaus. No applications. Pure collateral logic.

SMART & SIMPLER

Spend Today.
Keep Your Position.

CollateralPay identifies your crypto holdings and instantly creates purchasing power without liquidating a single satoshi. No credit bureaus. No applications. Pure collateral logic.

ACTIVE

BTC Collateral Locked

BTC secured

ACTIVE

BTC Collateral Locked

BTC secured

AUTO

Collateral Released

Automatic on final payment

AUTO

Collateral Released

Automatic on final payment

RUNNING

AI Risk Engine

Real-time LTV monitoring, 24/7

RUNNING

AI Risk Engine

Real-time LTV monitoring, 24/7

INSTANT

Merchant Paid Instantly

settled in fiat

INSTANT

Merchant Paid Instantly

settled in fiat

MARET OPPORTUNITY

Two Massive Markets.
Zero Overlap. That’s the Gap.

Two Massive Markets.
Zero Overlap. That’s the Gap.

BNPL GROWTH

$912B Projected Market by 2030

The global BNPL market grows at 10.2% CAGR. None of that growth currently serves crypto holders at everyday checkout.

Source: Deloitte / The Paypers 2025

BNPL GROWTH

$912B Projected Market by 2030

The global BNPL market grows at 10.2% CAGR. None of that growth currently serves crypto holders at everyday checkout.

Source: Deloitte / The Paypers 2025

Join the Waitlist

Join the Waitlist

HOLDER BEHAVIOR

Your Portfolio Optimized for Purchasing Power

62% of Bitcoin holders and 75% of Ethereum holders are long-term HODLers. They have assets. They need spending power. CollateralPay is built exactly for them.

HOLDER BEHAVIOR

Your Portfolio Optimized for Purchasing Power

62% of Bitcoin holders and 75% of Ethereum holders are long-term HODLers. They have assets. They need spending power. CollateralPay is built exactly for them.

Join the Waitlist

Join the Waitlist

SMART INVESTING STARTS HERE

Smarter Investing.
Stronger Outcomes

SMART INVESTING STARTS HERE

Smarter Investing.
Stronger Outcomes

Collateral-Backed Approval

Lock BTC or ETH and get instant approval. No credit score. No SSN. No bank involvement. Pure math.

Real-Time Insights

Access blockchain data in real-time to make timely and informed decisions.

Collateral-Backed Approval

Lock BTC or ETH and get instant approval. No credit score. No SSN. No bank involvement. Pure math.

Instant Merchant Settlement

Merchants receive 100% in fiat the moment you confirm. Sub-60-second settlement. Zero holdbacks.

Instant Merchant Settlement

Merchants receive 100% in fiat the moment you confirm. Sub-60-second settlement. Zero holdbacks.

AI Risk Engine

Dynamic LTV ratios, 24/7 collateral monitoring, volatility alerts, and auto-liquidation only on default.

AI Risk Engine

Dynamic LTV ratios, 24/7 collateral monitoring, volatility alerts, and auto-liquidation only on default.

Flexible Installments

Split any purchase from $50–$5,000 into 2, 3, or 4 installments. Weekly or monthly. You choose.

Flexible Installments

Split any purchase from $50–$5,000 into 2, 3, or 4 installments. Weekly or monthly. You choose.

Global Access

A wallet is all you need. No geographic restrictions. No bank account required. Truly borderless BNPL

Global Access

A wallet is all you need. No geographic restrictions. No bank account required. Truly borderless BNPL

Merchant API

Monitor performance in real-time with clear metrics and visual reporting.

Merchant API

Monitor performance in real-time with clear metrics and visual reporting.

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Join the Waitlist

PERFORMANCE YOU CAN MEASURE

The Numbers Behind the Opportunity

PERFORMANCE YOU CAN MEASURE

The Numbers Behind the Opportunity

$560B

Global BNPL Market 2025

$560B

Global BNPL Market 2025

70.4M

US Crypto Owners Today

70.4M

US Crypto Owners Today

62%

BTC Holders Won’t Sell

62%

BTC Holders Won’t Sell

Join the Waitlist

Join the Waitlist

FAQ

FAQ

How is CollateralPay different from Klarna or Afterpay?

Traditional BNPL requires a credit score, SSN, and US bank account. CollateralPay requires none of these—just crypto as collateral. You get the same Klarna-style split payments, but powered by your BTC or ETH instead of your credit history. No credit bureaus are involved. Approvals are instant and based purely on your collateral value.

Is my crypto safe while it’s locked?
What is the LTV ratio and how does it work?
Can I customize my repayment schedule?
What assets can I use as collateral?

Your Crypto Is More Than
a Number on a Screen.

Give it real purchasing power. No credit score. No compromises. Just collateral.

Join the Waitlist

No credit check · No SSN · BTC & ETH collateral

Your Crypto Is More Than
a Number on a Screen.

Give it real purchasing power. No credit score. No compromises. Just collateral.

Join the Waitlist

No credit check · No SSN · BTC & ETH collateral

Your Crypto Is More Than
a Number on a Screen.

Give it real purchasing power. No credit score. No compromises. Just collateral.

Join the Waitlist

No credit check · No SSN · BTC & ETH collateral