Lava: Bitcoin Loans & Card

Lava: Bitcoin Loans & Card

Borrow, earn & spend globally

162 ratings
53 reviews
Free

Details

  • Released
  • Updated
  • April 29, 2024
  • July 14, 2026

Features

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About

Unlock your Bitcoin's value without selling it. Securely borrow dollars using your Bitcoin as collateral with a flexible line of credit. Access funds instantly, earn yield on cash, and spend globally with a dedicated card.

Borrow dollars using Bitcoin collateral
Instant access to loan capital
Earn yield on cash
Off-ramp to global bank accounts
Spend globally with Lava Card
Buy and sell Bitcoin with zero fees
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What's New in Lava

3.17.0

July 14, 2026

Access dollars instantly without selling your bitcoin, borrow at the lowest rates, earn yield on your USD, and earn bitcoin back every time you spend with Lava Card.

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User reviews

Great app for cash back in bitcoin and yield on dollars

I have been using Lava and really like the benefits, especially the cashback on credit card purchases and the yield feature.

I think it is great to receive cashback in crypto compared to traditional points programs, where points often keep getting devalued over time. Lava feels like a much more practical and rewarding alternative.
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lava

This is an excellent software that meets all my needs.

5 Star Review

Wow, I’m so amazed and stuck on the fact you can receive 3% on everyday purchases and 5% select merchants.

Serious support issue — funds stuck after wrong-token deposit

On 24/06/2026, I accidentally sent USDT instead of USDC while topping up my Lava card. I reported the issue to support and provided the transaction information, but nearly one week later there is still no clear resolution.
For a crypto card product, deposit mistakes such as wrong token or wrong network should have a transparent recovery process. Instead, the support response has been extremely slow, communication is limited to email, and there appears to be no reliable escalation path.
This is a serious concern because user funds can remain stuck with no clear timeline or accountability. I am requesting Lava to escalate my case immediately and provide a written update regarding recovery, manual credit, or refund options.
I will revise this rating if the matter is properly resolved. Until then, I would advise other users to be very careful before depositing funds into this app.

Transaction hash:4Noe…Rzs
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挺好的

软件ui还是不错的美观,送一张卡片,和客服反馈问题和很快速解答

FAQ

What is Lava?

Lava is a financial application that allows users to borrow dollars using their Bitcoin as collateral. It provides a flexible line of credit, enabling users to access funds instantly without selling their Bitcoin. The app also offers features like earning yield on cash, global spending, and buying/selling Bitcoin with no fees.

How does borrowing with Bitcoin collateral work on Lava?

You can use your Bitcoin as collateral to secure a loan in dollars. Lava offers a Bitcoin Line of Credit (BLOC) with instant access to funds, no monthly payments, and open terms. The process requires no documentation or paperwork, and loans can be borrowed at competitive rates starting as low as 5%.

Is Lava secure?

Yes, Lava prioritizes security. Assets are secured using institutional-grade cold storage infrastructure, and all funds are backed 1:1 and never rehypothecated. The platform has been audited by independent security experts and is backed by prominent fintech investors.

What are the fees associated with Lava?

Lava offers the ability to buy and sell Bitcoin with zero fees. While the description mentions competitive loan rates starting at 5%, it does not explicitly detail all potential fees associated with borrowing or other services. Users should refer to the app for specific fee structures.

Who is Lava for?

Lava is designed for individuals who hold Bitcoin and wish to leverage its value without selling. It's suitable for those looking to borrow funds, earn yield on their cash holdings, spend globally, or engage in other Bitcoin-powered financial services.