How it works

From application to funding in as little as 1-2 business days. Simple,

transparent, and built for Canadians who want liquidity without selling

their Bitcoin.

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The loan lifecycle

From application to funding, the process is straightforward. We handle the

complexity so you can focus on what matters.

1. Apply and Get Approved

Submit your loan application online with basic information. Most applications are reviewed within hours. No lengthy paperwork, no complex financial statements required.

2. Deposit Bitcoin to Custody

Transfer your Bitcoin to a segregated custody account held by a qualified Canadian custodian. Your Bitcoin is held securely with institutional-grade security, fully segregated from DWM Canada's operational assets. You retain beneficial ownership at all times.

3. Loan Funded

Once your Bitcoin collateral is confirmed, Canadian dollars are deposited directly to your bank account. Most clients receive funds within 1-2 business days of collateral confirmation. Use the capital however you need, subject to applicable law, without selling your Bitcoin position.

4. Monitor Your Loan

Track your loan-to-value (LTV) ratio in real-time through your account dashboard. As Bitcoin's price moves, your LTV changes. We may notify you if your LTV approaches margin call thresholds (80-90%), but you are solely responsible for monitoring and managing your loan health.

5. Repay and Reclaim

Repay the loan at any time during the 1-year term with no prepayment penalty. Interest accrues daily and is due at repayment. Once you repay the principal plus accumulated interest, your Bitcoin collateral is released back to a wallet address you specify.

Eligibility and requirements

DWM Canada keeps requirements straightforward. We focus on your Bitcoin collateral, not your credit history or employment status.

Who Can Apply:

- Canadian citizens and permanent residents

- Individuals and corporations

- Bitcoin holders who want liquidity without selling

What You Need:

- Valid government-issued ID

- Proof of address (utility bill, bank statement)

- Canadian bank account for loan disbursement

- Bitcoin to pledge as collateral

Loan Parameters:

- No minimum loan amount, though smaller loans may be less economical due to

the $250 minimum origination fee

- No stated maximum loan amount, subject to collateral size and compliance

review

- 50% LTV (borrow $50,000 against $100,000 of Bitcoin)

- No credit score requirement

- No income verification required

The Process:

1. Submit application (5-10 minutes)

2. Identity verification and compliance checks (same day)

3. Transfer Bitcoin to custodian

4. Loan funded to your bank account (1-2 business days after collateral

confirmed)

What makes DWM Canada different

We handle the work so you don't wait. Submit your details and assets for review. Funding arrives when you need it most.

Bitcoin-Only

We only lend against Bitcoin. No other cryptocurrencies, no stocks, no bonds. This focus allows us to provide specialized custody and risk management built specifically for Bitcoin collateral.

Canadian Custody

Your Bitcoin is held by a qualified Canadian custodian, under Canadian law,

subject to applicable Canadian regulatory requirements. No offshore entities, no foreign jurisdiction risk. You can verify your Bitcoin on-chain at any time—full transparency.

No Monthly Payments

Interest accrues daily but there are no required monthly payments. You repay the full loan amount (principal + interest) at the end of the 1-year term, or earlier if you choose. This gives you flexibility to manage your cash flow without monthly obligations.

Transparent Terms

50% LTV. 12% APR. 1% origination fee ($250 minimum). 1-year term. No

prepayment penalties. No hidden fees. No teaser rates that change later.

Understanding margin calls
and loan health

What is LTV?

Loan-to-Value (LTV) measures your loan amount relative to your Bitcoin collateral value. At origination, your LTV is 50%. If Bitcoin's price falls, your LTV increases. If Bitcoin's price rises, your LTV decreases.

Example:
- You borrow $50,000 against $100,000 of Bitcoin (50% LTV)
- Bitcoin drops to $70,000
- Your LTV is now 71% ($50,000 / $70,000)

Margin Call Triggers

If your LTV reaches 80-90% due to Bitcoin price decline, we issue a margin call. Specific thresholds are disclosed in your loan agreement. You have two
options:

1. Add more Bitcoin collateral to lower your LTV
2. Partially repay your loan to lower your LTV

If you don't respond to a margin call, we may liquidate your collateral to
repay the loan and protect both parties.

How to Monitor

Your LTV ratio is displayed in real-time in your account dashboard. You can see exactly where you stand and how much buffer you have before reaching margin call levels. We may send notifications if you approach the 80-90% zone.

Managing Your Loan

The best way to manage margin call risk:
- Borrow conservatively relative to your Bitcoin holdings
- Monitor your LTV regularly, especially during volatile markets
- Keep additional Bitcoin or cash available to respond to margin calls
- Consider paying down your loan if Bitcoin experiences sustained price decline

Frequently Asked Questions

Questions answered. We keep things simple and direct about how we work.

How long does the application process take?
Most applications are reviewed within a few hours. The entire process from application to funding typically takes 1-2 business days once your Bitcoin collateral is confirmed.
Do I need perfect credit?
No. We don’t require a minimum credit score. Your Bitcoin collateral secures the loan, not your credit history.
What if I'm self-employed or don't have traditional income?
No problem. We don’t require income verification or employment history. The loan is secured by your Bitcoin collateral.
Can I borrow more than $100,000?
Yes. Six-figure loans are common and require additional review to ensure proper collateral verification and compliance. There’s no stated maximum, subject to collateral size and compliance review.
What happens if I can't repay at maturity?
If you don’t repay at the end of the 1-year term and haven’t arranged an extension, we’ll liquidate your Bitcoin collateral to repay the loan. Any excess collateral, if any, after repaying principal, interest, and fees is returned to you.
Can I add more collateral during the loan term?
Yes. You can add more Bitcoin collateral at any time to lower your LTV ratio or increase your borrowing capacity.
What if Bitcoin's price increases?
Your LTV decreases, giving you more cushion before margin call levels. You can also request additional loan funds against the increased collateral value, subject to our 50% LTV limit, subject to review and availability.
Is there a way to extend my loan beyond 1 year?
Extensions may be available on a case-by-case basis. Contact us before your loan maturity date to discuss options.

Ready to get started?

Apply for a Bitcoin-backed loan or calculate your loan amount based on your Bitcoin holdings.

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