Access a Bitcoin-native dollar credit line without selling your cryptocurrency. Control your funds with a self-custodial wallet, lock Bitcoin as collateral, and draw funds instantly. Enjoy flexible repayment and verifiable on-chain security.
1.0.11
July 17, 2026
- Better checks for liquidity availability before borrowing. - Minor UX improvements and enhancements. - Bug fixes and performance improvements.
MoreSurge Credit prioritizes security through non-custodial principles, meaning your Bitcoin and stablecoins are never held by the platform. Your collateral is locked in verifiable Taproot vaults on the Bitcoin blockchain, and you retain unilateral exit capabilities.
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%.
Currently, Surge Credit is supported on iPhone and iPod devices. Information regarding Android support is not available in the provided data.
The latest version of Surge Credit is 1.0.9, and it was last updated on June 24, 2026. This indicates a recent update, suggesting ongoing development and maintenance.
Surge Credit has an age rating of 4+, making it suitable for a wide range of users. This rating typically indicates minimal mature content.
No, Surge Credit is built without requiring Know Your Customer (KYC) verification. This aligns with its decentralized and privacy-focused approach.
Unlike traditional loans, Surge Credit is Bitcoin-native and non-custodial, meaning you retain control of your assets. It offers flexible repayment without fixed schedules or penalties, and your Bitcoin collateral is verifiable on-chain.
Surge Credit features a live health meter that monitors your collateral ratio. You will receive notifications at every stage to ensure you are aware of your collateral's status and can take action if needed.