Crypto wallet & crypto-backed loans
Your wallet. Your crypto. Your loan.
Helio Wallet is a self-custody crypto wallet with built-in loans. Hold and swap your coins, and when you need cash, borrow against them instead of selling.
- Self-custody wallet
- Fixed rates from 3.25% APR
- No early repayment penalty
SALT Authorized Loan Partner
Helio Lending is an authorized loan partner of SALT, a licensed crypto-backed lender. Through Helio, you can also apply for a loan made by SALT Lending LLC (NMLS #1711910). How this works
Why holders love us
Borrow without the stress of the market
Helio loans are non-recourse, with no margin calls. Prices can fall and your loan stays exactly as agreed.
Non-recourse loans
If you can't repay, your collateral settles the loan. We carry the risk, not you.
No margin calls
Markets move, your loan doesn't. You'll never be asked to top up collateral.
Fixed repayment
Your rate and what you owe are fixed on day one and never change.
Your coins stay whole
The amount of crypto you pledge never changes. No partial sales when prices dip.
Walk away, no liability
Choose not to repay and keep the loan. Your collateral covers it, and you owe nothing more.
Fast funding
USDT to your wallet or dollars to your bank soon after your collateral arrives and you're approved.
Repay early, free
Pay off your loan whenever you like, with zero early repayment penalty.
Insured cold storage
Pledged coins are kept in cold storage insured by Evertas, and never traded or lent out.
These terms apply to loans made by Helio Lending Pty Ltd. Loans made by SALT through our partner program follow SALT's own terms.
Wallet
All your coins, in a wallet you own
Hold Bitcoin, Ethereum, stablecoins and more in one self-custody wallet. See every balance in dollars, and receive or send in a few taps.
- Your recovery phrase, your wallet
- Balances shown in coins and in US dollars
- Receive and send across supported networks
Swap
Swap coins without leaving your wallet
Exchange one coin for another right inside Helio. Your crypto stays in your wallet until the moment the swap happens.
- Rate and fees shown before you confirm
- No separate exchange account to open
- Swapped coins land straight in your wallet
Borrow
Borrow against your crypto, keep your upside
Need cash but don't want to sell? Pledge some of your crypto as collateral and borrow against it. Receive USDT in your wallet or US dollars in your bank account. If your coins rise, the gain is yours. If they fall, that's our risk.
- Loans from $10,000, at fixed rates from 3.25% APR
- Non-recourse: no margin calls, no personal liability
- Collateral returned to your wallet when you repay in full
How borrowing works
From sign-up to cash in four steps
Sign up and verify
Create your Helio Wallet and complete a quick identity check in the app.
Pledge collateral
Choose your loan, then send the coins you're pledging. Helio reviews and approves your application.
Receive your loan
Get USDT (TRC20) in your wallet, or US dollars paid to your bank account.
Repay, get it back
Pay interest monthly and the principal at the end, or repay early for free. Your collateral comes back in full.
Loan calculator
See exactly what your loan costs
Pick your collateral, loan size, rate and term. You pay only interest each month and the loan amount at the end, and your repayment never changes, whatever the market does.
- No margin calls: price drops don't change your loan
- Non-recourse: walk away and you owe nothing more
- No early repayment penalty
- Monthly interest
- $67.71
- Total interest over the term
- $812.50
- Repay at the end
- $25,000
Estimate only, not a quote. Your rate is set when you apply. Applies to loans made by Helio Lending Pty Ltd.
Security
How your crypto is protected
Coins in your wallet are controlled by you alone. Coins you pledge for a loan are held by Helio until you repay.
Your recovery phrase
Your wallet is backed up by a recovery phrase that only you hold. Write it down and keep it offline. Helio will never ask for it.
Collateral custody
Pledged coins are kept in cold storage, insured by Evertas, a specialist crypto insurer, and are never traded or lent out while they secure your loan.
Know the terms first
Your loan agreement sets out every cost and exactly what happens if you don't repay. The same terms are on our rates & fees page.
Lost your phone?
Install Helio Wallet on a new phone and restore your wallet with your recovery phrase. Your open loans stay linked to your verified account.
Supported coins
Popular coins, one wallet
- Bitcoin
- Ethereum
- Tether
- BNB
- Solana
- Litecoin
- TRON
- Dogecoin
- XRP
Accepted as loan collateral: Bitcoin, Ethereum, Tether (USDT), Litecoin and other major coins.
Learn
Borrowing against crypto, explained
Short, plain-English guides to help you borrow with confidence.
Loan-to-value (LTV) explained for crypto borrowers
What loan-to-value (LTV) means for a crypto-backed loan, how to calculate it, and how to choose the right LTV for your loan.
Read article
Non-recourse crypto loans: no margin calls, no personal liability
What a non-recourse crypto loan is, how it differs from a standard crypto loan with margin calls, and what to weigh before choosing one.
Read article
What is a crypto-backed loan? A plain-English guide
How crypto-backed loans work, what they cost, the risks, and why holders borrow against Bitcoin instead of selling it.
Read articleFAQ
Common questions
Who holds my crypto?
You do. Helio Wallet is a self-custody wallet: the coins in it are controlled by your recovery phrase. The only exception is loan collateral. When you borrow, the coins you pledge are held by Helio in cold storage, insured by Evertas, until the loan is repaid in full, and then returned to your wallet.
What do I receive when I borrow?
USDT on the TRON network (TRC20) sent to your wallet, or US dollars paid to your bank account.
What does a loan cost?
A fixed interest rate from 3.25% to 7.95% APR. You pay interest monthly and the loan amount at the end of the term, and you can repay early with no penalty. There is no origination fee. See the rates & fees page.
How much can I borrow, and for how long?
Loans start at $10,000, with terms from 1 to 12 months. The amount depends on the value of the collateral you pledge.
What happens if the price of my collateral falls?
Nothing changes. Helio loans have no margin calls and no sales triggered by price moves: you won't be asked to add collateral, the amount of crypto you pledged stays the same, and your repayment stays exactly as agreed.
What does non-recourse mean?
It means the collateral is the only thing that secures your loan. If you decide not to repay, your collateral is kept to settle the loan and you owe nothing more: no personal liability and no further claims against you.
What if I miss a payment?
You have a 120-hour grace period. If the loan still isn't repaid after that, your collateral is used to settle it and the loan is closed. Because the loan is non-recourse, you owe nothing more.
What if I lose my phone?
Install Helio Wallet on a new device and restore your wallet with your recovery phrase. Keep your recovery phrase somewhere safe and offline: nobody, including Helio, can recover it for you.
Where is Helio available?
Loans are available in 47 US states, Washington D.C., Puerto Rico, Canada, Brazil, Portugal, Switzerland, the United Kingdom, the United Arab Emirates, Viet Nam, Australia, New Zealand and the Northern Mariana Islands. See the full list.
Get Helio
Available now on Android, coming soon to iPhone. Questions? Write to us at contact@heliolending.com.