Unlock Liquidity
Without Selling Your Crypto.
Borrow against your crypto holdings and access capital in days, without selling a single coin, paying unnecessary taxes, or giving up future gains.
Powered By
Custody & Security
KYC & Identity
Stablecoin Disbursement
Trusted Digital Asset Financing Infrastructure
PawnDesk enables corporations, business owners, and high-net-worth individuals to access liquidity through digital asset-backed financing — without selling their crypto holdings.
Global Operations
US-based corporation Axelion operates with a global partner network under internationally recognized standards, delivering compliant financial services across multiple jurisdictions.
Transparent Asset Management
Collateral assets are managed separately from operational funds, ensuring full transparency in asset management with a clear segregation framework.
Institutional-Grade Security
Powered by leading digital asset custody solutions like Fireblocks, delivering the same level of asset protection used by top exchanges and financial institutions worldwide.
Why Choose PawnDesk
The smarter way to access liquidity from your digital assets.
Crypto as Collateral
Use BTC, ETH, USDT and 15+ digital assets as collateral — no need to convert to fiat first.
Keep Your Upside
Access liquidity without selling. Your assets stay yours, so you benefit from future price appreciation.
Flexible Terms
Every loan is structured around your needs — duration, repayment schedule, and LTV ratio tailored to you.
Fully Digital Process
From application to funding — everything happens online. No branches, no paperwork, no delays.
Fast Approval
Get funded in 1–3 business days. Streamlined verification and instant collateral confirmation.
Full Transparency
Real-time monitoring, clear reporting, and structured audit trails. You always know where your assets stand.
How Our Clients Use PawnDesk
Business Investment
Real Estate Acquisition
Investment Opportunities
Liquidity Management
Leverage your digital assets to fund business expansion or operational growth without triggering a taxable sale event.
Access capital for property purchases without liquidating cryptocurrency holdings.
Pursue investment opportunities while maintaining your digital asset positions.
Obtain short-term liquidity without selling long-term digital asset holdings.
Solutions for Crypto Asset Holders
Maintain Your Holdings
Keep your cryptocurrency while accessing capital. Preserve future upside potential while meeting immediate financing needs.
Learn moreFlexible Financing
Terms tailored to your collateral type, loan amount, and duration. Custom structures for every client.
Learn moreInstitutional Security
Enterprise-grade custody powered by Fireblocks with multi-signature authorization and dedicated segregated wallets for maximum asset protection.
Learn moreTransparent Management
Clearly defined custody and reporting processes. Real-time monitoring and structured audit trails.
Learn moreFinancing Plans
Choose the plan that fits your financing needs.
Standard Plan
Advanced Plan
Premium Plan
PHP amounts shown are approximate equivalents based on prevailing exchange rates at the time of publication. Final loan amounts are determined at the time of application based on current market rates.
Loan Details
Transparent terms designed around your needs.
Loan Amount
Corporate: from ₱100,000 in ₱50,000 increments. Individual: from ₱25,000 in ₱25,000 increments.
Loan Duration
12 months with automatic renewal. Extensions available on request.
Repayment
Flexible voluntary repayment — pay back part or full at any time.
Additional Borrowing
Top up your loan when collateral value rises above 100% cover ratio.
Early Repayment
Full principal plus accrued interest can be repaid before the term ends.
Accepted Collateral
Loan Amount
* Additional borrowing follows the same unit conditions
Loan Duration
Repayment
Additional Borrowing
* Same borrowing unit conditions apply to additional borrowing
Early Repayment
* Staking rewards, airdrops, and hard forks generated by collateral assets are retained by the custodian for the duration of the loan period.
How It Works
A streamlined process to unlock liquidity from your digital assets in just a few steps.
Identity Verification
Submit identity documents online for secure KYC verification and account setup.
- Quick online submission
- Powered by Sumsub
- 1–2 business day review
Contract Agreement
Review financing terms tailored to your needs and sign the agreement digitally.
- Customized loan terms
- Digital signature process
- Transparent conditions
Collateral Deposit
Transfer digital assets to the designated Fireblocks-secured custody wallet.
- Fireblocks-secured custody
- Multi-signature protection
- Real-time confirmation
Loan Funding
Funds transferred to your designated account the same day collateral is confirmed.
- Fast disbursement
- Bank transfer or PHPA stablecoin
- Ongoing portfolio monitoring
Frequently Asked Questions
PawnDesk is a crypto-backed financing platform that lets you borrow against your digital assets without selling them, preserving your upside potential while accessing immediate liquidity.
PawnDesk serves individual crypto holders, institutional investors, and corporate clients looking to unlock liquidity from their digital asset portfolios.
Monthly interest starts from 0.10% for Premium Plan clients, up to 0.50% for Standard Plan. Annual equivalent ranges from 1.2% to 6.0%. Contact us for a tailored quote.
Yes. Minimum loan amount starts from ₱25,000 for individuals and ₱100,000 for corporations. Maximum facility is up to ₱38,000,000, subject to collateral assessment.
Simply reach out through our contact form or email us at contact@pawndesk.io. Our team will guide you through the evaluation process and help structure a financing solution tailored to your situation.
We accept 18+ major cryptocurrencies including BTC, ETH, USDT, XRP, USDC, SOL, LTC, BNB, ADA, TRX, DOT, XLM, LINK, SHIB, DOGE, AVAX, BCH, and MATIC. Additional assets added progressively.
If the collateral cover ratio falls below the required threshold, we will contact you proactively to discuss options — either adding collateral or making a partial repayment. We prioritize communication before any action is taken.
Your assets are held in secure custody for the duration of the loan. Once the loan is fully repaid, your collateral is returned to you in full.
Yes, you can add additional collateral at any time to improve your loan-to-value ratio or to avoid margin requirements during market fluctuations.
The LTV ratio represents the loan amount relative to your collateral's value. A lower LTV provides more buffer against market volatility, while a higher LTV maximizes your available liquidity.
The process typically takes 1-3 business days, depending on document verification and collateral evaluation.
Requirements vary based on the loan type and jurisdiction. Typically, identity verification and proof of asset ownership are needed. Our team will guide you through the specifics.
Yes. You can repay the full principal plus accrued interest at any time before the term ends. Crypto asset repayment is also available.
Loan terms are flexible and tailored to your needs. Options range from short-term arrangements to longer-duration financing, structured to match your liquidity requirements.
Once approved, funds can be disbursed via bank transfer or stablecoin, depending on your preference and the financing structure agreed upon.
All assets are managed through Fireblocks institutional-grade custody infrastructure with multi-signature authorization and segregated wallets for maximum protection.
Fireblocks is a leading digital asset custody platform trusted by financial institutions worldwide. It provides enterprise-grade security through MPC technology and hardware isolation.
Asset protection measures are in place through our custody infrastructure. Specific coverage details can be discussed during the consultation process.
Yes. PawnDesk provides transparent reporting and real-time monitoring so you always have visibility into your collateral status and loan position.
Client assets are held in segregated custody wallets, separate from company operations. Your collateral remains protected and accessible regardless of any operational circumstances.
Secure Financing with Your Digital Assets
Access capital while maintaining long-term exposure to your digital assets. Corporations, business owners and investors welcome.