Surge Credit

Surge Credit is a Bitcoin-native dollar credit line. Not a loan - a revolving credit line you control. Draw what you need, repay when you want, re-borrow without reapplying. Your Bitcoin stays in verifiable Taproot vaults on the Bitcoin blockchain. Always.

How it works:

1. Set up your wallet - create a self-custodial wallet in-app or connect your own. Your keys, always.

2. Choose your credit line - set your amount, pick variable or fixed rates

3. Lock your Bitcoin - deposit BTC into your Taproot vault, verified on-chain in ~30 minutes

4. Get your credit - funds arrive instantly, send USDC or spend with gift cards

Why Surge Credit:

Non-custodial - Surge never holds your Bitcoin or stablecoins.

Zero rehypothecation - your collateral doesn’t get lent out, traded, or moved.

Verifiable on-chain - inspect your Taproot vault anytime. Don’t trust, verify.

Unilateral exit - repaid your line but collateral isn’t released? Take it back yourself. No permission needed. Enforced by Bitcoin.

Health monitoring - live health meter tracks your collateral ratio. Notifications at every stage so you’re never caught off guard.

Flexible repayment - no fixed terms, no schedules, no penalties. Repay any amount, anytime.

Rates from 6.9% APR - variable rates that adjust with market demand, or lock in at 9.9% fixed.

Spend your way: → Send USDC anywhere, instantly → Spend with gift cards → Bank transfers and card spending coming soon

Built different: → No KYC → No token → No middlemen → Bitcoin-native collateral — no wrapping, no bridging → 12-month term, rollover anytime

Surge Credit is built for Bitcoiners who refuse to compromise on custody to access liquidity. Your Bitcoin. Your terms.