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<h2 id="span-japan-btc-loan-annual-interest-rates-vary-between-3-5-and-7-span">Japan BTC Loan: Annual interest rates vary between 3.5% and 7%</h2>
The Japanese lending platform CRYL has introduced Bitcoin-backed loans worth up to 1 billion yen ($6.2 million). It enables people and enterprises to borrow money without selling crypto coins.
The launch adds to the small number of <a href="https://www.coingabbar.com/en/crypto-blogs-details/how-to-use-aave-defi-lending-and-earn-daily-passive-income" rel="noopener noreferrer nofollow">crypto-based lending</a> facilities in Japan. In 2020, a joint venture between Daiwa Securities Group and loan&nbsp;Saison named Fintertech started a similar facility where it credits up to $3 million against Bitcoin or Ether. But CRYL’s facility claims a higher limit with a lower minimum requirement using BTC only as collateral.
<img alt="japan loan news" src="https://d3iuzwoiyg9qa8.cloudfront.net/webadmin/storage/public/commonEditerImage/RDgIovljdbYZv8U3hXEGGsxtnuyVEUpJpoCgP94h.jpg" width="300" title="japan loan news">
Source:<a href="https://x.com/wublockchain12/status/2075576161539936742" rel="noopener noreferrer nofollow">X Post</a>
<h4>Details of The Bitcoin-backed Loan</h4>
<ul>
 <li>Loan amounts can be between $6,200 and $6,200,000.</li>
 <li>Interest rates per year vary between 3.5% and 7%.</li>
 <li>The collateral ratio of loans ranges between 40% and 60%.</li>
 <li>The term of repayment of the credits&nbsp;is one year.</li>
 <li>The amount can be used for taxes, business purposes, buying properties, and many other expenses.</li>
 <li>The credit&nbsp;program was launched by the company on Thursday.</li>
</ul>
<h4>Comparison With Other Japanese BTC Lending</h4>
<ul>
 <li>credit interest rates range from 4% to 8% per year.</li>
 <li>Borrowers must maintain a 50% collateral ratio, meaning the value of their <a href="https://www.coingabbar.com/en/crypto-blogs-details/crypto-as-collateral-guide-loans-ltv-risks-explained" rel="noopener noreferrer nofollow">Bitcoin collateral</a> must be at least double the credit line&nbsp;amount.</li>
 <li>The minimum loan size is 5 million yen (approximately $31,000).</li>
 <li>Instead of selling their <a href="https://www.coingabbar.com/en/crypto-blogs-details/bitcoin-ecash-hard-fork-2026" rel="noopener noreferrer nofollow">Bitcoin holdings</a>, users can borrow cash while retaining ownership of their digital&nbsp;coins.</li>
 <li>This lending model allows borrowers to access liquidity for personal or business needs without liquidating their cryptocurrency assets.</li>
 <img alt="btc daily update" src="https://d3iuzwoiyg9qa8.cloudfront.net/webadmin/storage/public/commonEditerImage/VN4nq3zZ7jrQznwhNqbDdNMNitBtkbSvLZBeUGlH.png" width="300" title="btc daily update">
 <li>Source: <a href="https://coinmarketcap.com/currencies/bitcoin/" rel="noopener noreferrer nofollow">official site</a></li>
 <li>
 <div>Current Price: $64,124.79
 </div>
 <div>Price Change in 24 Hours: -0.47%, meaning that there is a small decrease in price.
 </div>
 <div>Market Capitalization: $1.28 Trillion, decreased by 0.47%.
 </div>
 <div>Trading Volume for 24 Hours: $18.74 Billion, decreased by 29.74%.
 </div>
 <div>Ratio of Volume to Market Cap: 1.46%
 </div>
 <div>Fully Diluted Valuation (FDV): $1.34 Trillion.
 </div>
 <div>Circulating Supply: 20.05 Million BTC.
 </div>
 <div>Max Supply: 21 Million BTC, illustrating the limited number of Bitcoins.
 </div>
 <div>Holdings in the Treasury: 1.34 Million BTC.
 </div>
 <div>Profile Score: 100%, meaning that all the data about the project is available on CoinMarketCap.
 </div>
 <div>24-Hour Price Chart: The chart illustrates the fact that the Bitcoin price had a sharp fall at the beginning of the day
 </div></li>
</ul>
<h4>Future Market Effects</h4>
Increased BTC Usage: Since investors can get credit lines&nbsp;without liquidating their holdings, they may retain their crypto coin investments for longer.
Rise of Crypto Lending:&nbsp;&nbsp;More Japanese lenders might start offering services including BTC-backed credit&nbsp;lines.
Enhanced Market Liquidity:&nbsp; &nbsp;Borrowers could access funds without selling their&nbsp;holdings.
Emergence of Crypto Finances:&nbsp;&nbsp;Different financial products using cryptocurrency as a backing asset&nbsp;could arise.
Greater use of Bitcoin:&nbsp;OG crypto&nbsp;could be recognized as a backing&nbsp;asset.
Potential for Liquidation: A steep fall in digital&nbsp;coin prices could lead to margin calls or requests for additional collateral.&nbsp;
<h4>Conclusion</h4>
The introduction of loans based on Bitcoin by CRYL represents yet another move in Japan’s developing crypto-finance industry, which makes it possible for both individuals and corporations to secure credit&nbsp;without having to sell their digital&nbsp;assets. Credit&nbsp;amounting to up to one billion yen or $6.2 million has been introduced under the new program.
Disclaimer: This article is purely informational and should not be taken as financial, investment, legal, or tax advice. Crypto investments and loans collateralized by Bitcoin carry considerable risks such as price fluctuation, collateral liquidation, and varying regulations.

Japan BTC Loan: Japanese Lender Launches $6.2M Bitcoin-backed Loans

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