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Surge Credit

Surge Credit

Bitcoin Native Credit Line

5 ratings
3 reviews
📊 Productivity
💰 Finance
Free

Details

Released
March 17, 2026
Updated
November 2, 2026

Features

Developer

Surge Credit
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About

Access a Bitcoin-native dollar credit line without giving up custody of your cryptocurrency. Draw funds as needed, repay flexibly, and re-borrow without reapplying. Your Bitcoin remains secured in verifiable Taproot vaults on the blockchain.

✓Bitcoin-native dollar credit line
✓Self-custodial wallet
✓Verifiable on-chain Taproot vaults
✓Flexible repayment terms
✓Rates from 6.9% APR
✓Spend via USDC or gift cards
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+1

What's New in Surge Credit

1.0.16

November 2, 2026

- Renew your credit line from the Me tab. - Subscribe to the Surge Insider newsletter during sign-up. - Clearer draw and maintenance messages. - Sign back in without re-entering your recovery phrase for session logouts. - Lower, more accurate withdrawal fees. - Bug fixes and improvements.

More

User reviews

Most RecentHighest RatedLowest Rated

BTC

Very easy to access and use. Straight forward process and easy interface.
MMjs723

Super fast, way less confusing than other apps

The approval process took seconds, had nothing to do with greedy credit institutions, and I can finally leverage my holdings without someone else controlling said holdings. All around great experience
QQuilnib

Awesome BTC option

Awesome functionality and UX with good trust tradeoffs
R1Regret this purchase 15

FAQ

What is Surge Credit?

Surge Credit offers a Bitcoin-native dollar credit line. It's a revolving credit line that allows you to draw funds as needed and repay flexibly, without reapplying. Your Bitcoin collateral is secured in verifiable Taproot vaults on the Bitcoin blockchain.

How does Surge Credit secure my Bitcoin?

Your Bitcoin is locked into a self-custodial Taproot vault on the Bitcoin blockchain. Surge Credit never holds your Bitcoin or stablecoins, ensuring zero rehypothecation. You can inspect your vault on-chain at any time.

What are the interest rates for Surge Credit?

Surge Credit offers rates starting from 6.9% APR. You can choose between variable rates that adjust with market demand or lock in a fixed rate of 9.9% APR.

How can I spend the funds from my credit line?

You can send USDC anywhere instantly, or spend your credit using gift cards. Bank transfers and card spending are planned for future updates.

Is Surge Credit available on all devices?

Currently, Surge Credit is supported on iPhone and iPod devices. The app is rated for ages 4+ and was last updated on November 2, 2026.

What is the update frequency for Surge Credit?

Surge Credit was last updated on November 2, 2026, with version 1.0.16. The app is actively maintained, suggesting regular updates to improve functionality and security.

Does Surge Credit require KYC?

No, Surge Credit is built differently and does not require KYC (Know Your Customer). It aims to provide a direct, Bitcoin-native experience without unnecessary intermediaries.

What makes Surge Credit different from traditional loans?

Unlike traditional loans, Surge Credit is non-custodial, meaning you retain control of your Bitcoin. It also features verifiable on-chain collateral and a unilateral exit option, allowing you to reclaim your collateral without permission.