$145.83 a month
What does this Milo loan cost?
BTC $83,759 · as of Oct 11, 2026, 11:02 PM ET · CoinGecko · today. $20,000 against 0.75 BTC = 31.8% LTV. LTV = loan ÷ (bitcoin held × spot)
MiloEstimated · CeFi · Custodial · since 2018 · Official site ↗
This $20,000 loan is 8.75% APR, does not publish a liquidation price, and scores 7.0 Solid on Safety.
Main risk: Milo is custodial and does not rehypothecate collateral. Reserves & Transparency is 4.0 Weak. You do not hold the keys.
This draw is 31.8%.
No separate margin call on the record.
No published liquidation price.
In the published fee fields
No rehypothecation
Minimum loan $5,000.
★ Pledge confidence · estimated
Score reflects best available evidence, but some sub-factors are inferred from public disclosures rather than confirmed at source. The score will move if Pledge receives stronger evidence. Estimated: Milo’s rate, LTV, margin-call threshold, custody partners, and NMLS license are verified from milo.io and NMLS Consumer Access, but the liquidation threshold is disclosed only in loan documents, the “no margin calls issued to date” history is self-reported, and the U.S. state roster is not statically published (interactive selector only).
Pledge Score · Safety
Eight factors, 0–10, each from a named source when one is on the record.
Custody
8.0Rehypothecation
9.0Reserves
4.0No reserves reporting on file. No separately published source for this factor.
Regulatory
8.0Track record
7.0No separately published source for this factor.
Liquidation
6.0Loss protection
5.0Transparency
6.0Strengths
- 8.75% interest rate (APR starts at 10.75% incl. 2% origination) at 50% LTV on BTC or ETH
- No credit pull — approval is collateral + KYC based
- 24-hour funding once collateral is confirmed
- BitGo / Coinbase Custody qualified custodians; pledged assets held in a segregated sub-account in your name
- $100M+ in crypto mortgages funded (milo.io/crypto-loan) — not $250M+ originated
- No rehypothecation per the official product page
Sources
Aug 27, 2026 · Estimated · 45 days ago. Every claim on this page traces to one of these.
Milo crypto-backed loan page
8.75% interest rate (APR starts at 10.75%), 2:1 collateral pledge (50% LTV), 12-month interest-only term with balloon at maturity, $5,000 starting loan, margin call at 67% LTV, 2% origination fee excluded from the quoted rate, no credit check, 24-hour funding, BitGo/Coinbase qualified custodians, and no-rehypothecation language. Verified Aug 27, 2026.
Milo FAQ (crypto loan sections)
BTC and ETH loans capped at 50% LTV (2:1 ratio) and XRP at 40% (2.5:1); $1.5M maximum loan; margin call when BTC/ETH collateral falls ~25% from pledge (≈67% LTV); liquidation threshold disclosed only in loan documents and price-driven; late fee greater of 5% of past-due or $15 after 10 days; no prepayment fee; valid U.S. ID and U.S. bank account required; founded 2018; $250M+ originated; "no margin calls issued to date" (self-reported). Verified Aug 27, 2026.
NMLS Consumer Access — Milo Credit, LLC
Milo Credit, LLC is a direct lender licensed under NMLS #1811449 (site footer also cites California Finance Lenders Law License 60DBO-128284 and "not available in all states"). Verified Aug 27, 2026.
Milo crypto mortgage page
partialContext only (mortgages are a separate niche, not Pledge-comparable loan rows): crypto mortgage at 7-9% interest with a 1x property-value pledge, 30-year fixed, up to 100% LTV, from $275,000; self-custody mortgage up to 75% LTV with no margin calls. Verified Aug 27, 2026.
The terms, translated
With Milo, the terms below are the loan-agreement fields on the record.
Rehypothecation · No rehypothecation
Milo states it does not rehypothecate (lend out or re-pledge) your BTC collateral.
Origination fee · 2%
Milo applies a 2% origination fee, deducted from the amount you receive.
Other fees and conditions
Late fee after 10 days: greater of 5% of the past-due payment or $15. A no-monthly-payment option (interest accrues, paid at maturity) is available at a slight, unquantified premium. Missed payments can trigger partial collateral liquidation.
Liquidation clause, as published
Not published. milo.io/crypto-loan shows 67% LTV on a row labeled loan term. That label is not a margin call. Do not treat 67% as the cure or liquidation level.
Questions about Milo
What are Milo's crypto loan rates?
Milo's crypto-backed loan starts at an 8.75% interest rate, with APR currently 10.75% once the 2% origination fee is included. The headline rate excludes that fee, so compare the all-in APR figure against other lenders.
How much collateral does a Milo crypto loan require?
Bitcoin and Ethereum loans require a 2:1 collateral ratio — pledging $200,000 in BTC or ETH lets you borrow $100,000 (a 50% maximum LTV). XRP loans require 2.5:1 (40% maximum LTV). Loans start at $5,000 and go up to $1.5 million.
Does Milo pull your credit for a crypto loan?
No. Milo does not run a credit check for crypto loans — approval is based on your pledged collateral and KYC verification. The program currently requires a valid U.S. ID and a U.S. bank account for loan proceeds.
When does a Milo crypto loan margin call happen?
A margin call is triggered at 67% LTV — roughly a 25% drop in BTC or ETH collateral value from the original 2:1 pledge. You can cure it by pledging more collateral or making a principal payment. The liquidation threshold itself is disclosed only in loan documents and is price-driven rather than time-based.
Where is Milo crypto loan collateral held?
Pledged crypto is held with Milo's qualified custodians, BitGo or Coinbase Custody, in a dedicated sub-account in your name that is segregated from Milo's corporate accounts. Milo's product page states there is no rehypothecation of client assets.
How fast can a Milo crypto loan fund?
Milo says most applicants receive conditional approval the same day, with final approval typically within 24 hours. Once your collateral is transferred and confirmed, loan proceeds are typically wired to your U.S. bank account within 24 hours.
What happens when a Milo crypto loan matures?
Milo crypto loans are 12-month, interest-only loans — by default you make 11 monthly interest payments and a final balloon payment of principal at maturity. You can repay, refinance into a new loan, or request a rollover if you are in good standing. There is no prepayment fee.