Verified source of funds
Loan financing comes from a verified, documented origin. Defined terms, proper paperwork, and a counterparty your accountant and legal team can work with. Every disbursement includes a clean origin certificate.
Liquidity for your company without selling Bitcoin
Borrow against your company's Bitcoin and keep your position. Get cash for payroll, inventory or expansion, while your Bitcoin stays yours.
Access liquidity. Keep your Bitcoin.
A Bitcoin-backed loan that makes sense for your business
Fast liquidity, without selling your BTC
Cash in CZK or EUR in your company's account within days. Your Bitcoin stays yours. You don't have to close your position to cover operations. Get fiat now and keep your exposure to future upside.
Institutional-grade
Invity Finance operates under EU financial regulation in full compliance with MiCA. Your BTC collateral is held in institutional-grade custody. Your Bitcoin is the collateral, not your credit history.
No rehypothecation
Your Bitcoin is held as collateral. Nothing more. We never lend it out, trade it, or use it for anything else while it's in our custody. Your coins are stored separately from Invity's operational funds.
Corporate Bitcoin Loans
Loan parameters
From 10.5% p.a.
- 50% LTVLoan-to-value
- Fixed rateFor the full loan term
- From €4,000Minimum loan amount
- Non-recourseRisk limited to collateral (fees + interest apply)
Your company's Bitcoin secures the loan. Your credit history doesn't decide it. Structured to the standards your accountant and legal team expect.
How it works
Five steps to Bitcoin-backed liquidity
- 1
Apply
Tell us how much liquidity you need and how much Bitcoin you're prepared to use as collateral.
- 2
Set up your company account
Complete the KYB process and submit company documents in the app.
Already a client? Skip this step.
- 3
Collateralise
Transfer your Bitcoin to secure custody. Your coins are held. Not sold, not moved, not touched.
- 4
Receive funds
Fiat is disbursed directly to your company bank account in CZK or EUR. Use it however your business needs.
- 5
Repay and reclaim
Repay the loan plus interest. Your Bitcoin is returned in full.
- 1
Apply
Tell us how much liquidity you need and how much Bitcoin you're prepared to use as collateral.
- 2
Set up your company account
Complete the KYB process and submit company documents in the app.
Already a client? Skip this step.
- 3
Collateralise
Transfer your Bitcoin to secure custody. Your coins are held. Not sold, not moved, not touched.
- 4
Receive funds
Fiat is disbursed directly to your company bank account in CZK or EUR. Use it however your business needs.
- 5
Repay and reclaim
Repay the loan plus interest. Your Bitcoin is returned in full.
What businesses ask us
FAQ
What loan-to-value ratio can I expect?
Loans are originated at up to 50% LTV. That means for every €100 of Bitcoin you pledge, you can borrow up to €50. Conservative enough to protect against volatility. Useful enough to make a difference.
What happens if the Bitcoin price drops?
If the value of your collateral falls, we notify you at two warning thresholds so you can top up collateral or partially repay. Automatic liquidation only triggers at 85% LTV. And even then, we sell only enough to restore a safe ratio, not your entire position.
Is my Bitcoin safe during the loan?
Your Bitcoin is held in institutional custody and is never rehypothecated. Not lent out, not traded, not used for anything else. It stays in custody until you repay and reclaim it.
What size loans are available?
From 100,000 CZK (approx. €4,000) up to institutional size. Loans above 2.5M CZK / €100K are handled by our treasury desk with dedicated terms.
Which companies are eligible?
Any EU-registered legal entity holding Bitcoin on its balance sheet. If you already have an Invity business account, you're most of the way there.
Is this a recourse or non-recourse loan?
Non-recourse. If liquidation proceeds don't cover the outstanding balance, your company is not liable for the difference. Your risk is limited to the collateral you pledge. Standard fees and interest still apply on the loan itself.
How fast do I receive the funds?
For loans up to 10M CZK: within 3 business days of collateral confirmation. Larger facilities are handled individually.
What currencies can I borrow in?
CZK or EUR. Disbursed directly to your company's bank account. No stablecoins, no conversions.
Refer a friend. You both get €4 in Bitcoin and lower fees for life.
Give friends a lifetime 10% discount on service fees, you earn 33% of that fee. And when a friend completes 3 buys with any strategy, you both earn €4.
Learn how it works
Start, build, and preserve your Bitcoin wealth
Download Invity today & take control of your financial future.
How to stay safe with Turbo Buy
What happens when Bitcoin is down and you have an active Turbo Buy — how the liquidation price works, how regular buys lower your risk, and what to keep in mind.
Read more →
Referral program update. Earn Bitcoin when your friends start saving
Invity's referral program now pays €4 in Bitcoin to both of you when your invitee completes 3 transactions in any savings strategy — on top of the existing 33% fee share and 10% lifetime discount.
Read more →
April | Newsletter
Bitcoin is always open — 24/7, regardless of holidays, weather, or geopolitics. Highlights from April: Strategy overtakes BlackRock, BIP-361 controversy, conference recap, cost basis explained.
Read more →
Learn with Invity
Level up your Bitcoin knowledge
Resources for first-time buyers and long-time stackers. No hype, no price calls — frameworks and clear thinking.
Invity eBook
Broken Money and the Way Out
A 50-page guide to why money is broken — and what comes next. Free.
Frequently asked questions
FAQ
Is Invity licensed and regulated?
Yes. Invity Finance s.r.o. operates under EU financial licensing with full MiCA compliance. Your activity is protected by the same rules as any regulated financial service in the European Union.
How is Invity different from an exchange?
Invity is not a trading venue. It is an accumulation-first app designed to make buying, holding, and moving Bitcoin effortless. There are no altcoins, no leveraged products, no trading pairs — just clean flows for Bitcoin.
Who holds my Bitcoin?
You choose. Your balance is held by a regulated institutional custodian, segregated from Invity's operating funds. You can withdraw to your own hardware wallet or any Bitcoin address at any time. You can also set our Auto Send function to any address when your stack in the Invity App reaches a certain amount.
What fees does Invity charge?
Invity uses transparent per-transaction fees displayed before you confirm any purchase. There are no monthly subscriptions.
What is Turbo Buy?
Turbo Buy adds 60% extra buying power to every recurring buy. You pay a fee only on the extra. Your stack secures it — there's no debt and you can never go negative. The only Bitcoin at risk is what's inside the plan.
Which countries are supported?
Invity is available to residents of the European Economic Area as per the MiCA licence. The current list is displayed during sign-up.
Can businesses use Invity?
Yes. We offer business accounts for companies that want to hold Bitcoin on their balance sheet or offer Bitcoin-related services to their customers. See the Business Accounts page for details.
How do I contact support?
You can reach us via in-app chat or email. Support is provided by real people based in Prague, typically during European business hours.