# Surge Credit — Bitcoin Native Credit Line > Bitcoin-native revolving credit line secured by your own Bitcoin collateral. (iPhone/iPad app by Surge Credit.) - Source: https://appshunter.io/ios/app/surge-credit/id6756261968 (this page in markdown: same URL + `.md`) - Developer: [Surge Credit](https://appshunter.io/developer/1859597633) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 5 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 58 MB - Languages: American English - Released: 2026-03-17 - Data updated: 2026-08-27 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/surge-credit/id6756261968/reviews.md ## What is Surge Credit? Surge Credit is a Bitcoin-native dollar credit line. Not a loan - a revolving credit line you control. Draw what you need, repay when you want, re-borrow without reapplying. Your Bitcoin stays in verifiable Taproot vaults on the Bitcoin blockchain. Always. How it works: 1. Set up your wallet - create a self-custodial wallet in-app or connect your own. Your keys, always. 2. Choose your credit line - set your amount, pick variable or fixed rates 3. Lock your Bitcoin - deposit BTC into your Taproot vault, verified on-chain in ~30 minutes 4. Get your credit - funds arrive instantly, send USDC or spend with gift cards Why Surge Credit: Non-custodial - Surge never holds your Bitcoin or stablecoins. Zero rehypothecation - your collateral doesn’t get lent out, traded, or moved. Verifiable on-chain - inspect your Taproot vault anytime. Don’t trust, verify. Unilateral exit - repaid your line but collateral isn’t released? Take it back yourself. No permission needed. Enforced by Bitcoin. Health monitoring - live health meter tracks your collateral ratio. Notifications at every stage so you’re never caught off guard. Flexible repayment - no fixed terms, no schedules, no penalties. Repay any amount, anytime. Rates from 6.9% APR - variable rates that adjust with market demand, or lock in at 9.9% fixed. Spend your way: → Send USDC anywhere, instantly → Spend with gift cards → Bank transfers and card spending coming soon Built different: → No KYC → No token → No middlemen → Bitcoin-native collateral — no wrapping, no bridging → 12-month term, rollover anytime Surge Credit is built for Bitcoiners who refuse to compromise on custody to access liquidity. Your Bitcoin. Your terms. ## Key features - Bitcoin-native credit line - Self-custodial wallet - Verifiable on-chain collateral - Flexible repayment options - Rates from 6.9% APR - Draw funds as USDC or gift cards ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/surge-credit/id6756261968/reviews.md ### 5/5 — BTC *2026-04-23* Very easy to access and use. Straight forward process and easy interface. ### 5/5 — Super fast, way less confusing than other apps *2026-04-23* 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 ### 5/5 — Awesome BTC option *2026-04-12* Awesome functionality and UX with good trust tradeoffs ## Frequently asked questions about Surge Credit ### How secure is Surge Credit? Surge 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. ### 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%. ### Can I get Surge Credit on Android? Currently, Surge Credit is supported on iPhone and iPod devices. Information regarding Android support is not available in the provided data. ### How often is Surge Credit updated? 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. ### What is the age rating for Surge Credit? Surge Credit has an age rating of 4+, making it suitable for a wide range of users. This rating typically indicates minimal mature content. ### Does Surge Credit require KYC? No, Surge Credit is built without requiring Know Your Customer (KYC) verification. This aligns with its decentralized and privacy-focused approach. ### How does Surge Credit compare to traditional loans? 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. ### What happens if my collateral ratio drops? 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. ## Version history (last 5 releases) ### 1.0.13 — 2026-08-18 - Push notifications for credit status updates - Back up your wallet keys - Security improvements and minor bug fixes ### 1.0.12 — 2026-08-05 - Fixed market liquidity checks now only count qualifying LPs, giving a more accurate view of available liquidity before borrowing. - Refreshed slider component and updated connections for smoother, more reliable interactions. - Bug fixes and improvements. ### 1.0.11 — 2026-07-17 - Better checks for liquidity availability before borrowing. - Minor UX improvements and enhancements. - Bug fixes and performance improvements. ### 1.0.10 — 2026-07-08 - Extend credit line. A borrower can request an extension before the term ends, and the credit line restarts for another 12 months. - Delinquency settlement. A credit line that ends its term with debt outstanding enters a 7-day settlement window where the debt is settled through an auction. - Bug Fixes and Improvements ### 1.0.9 — 2026-06-24 - Support for partial withdrawals. - Minor UX optimisations and enhancements. - Bug fixes and performance improvements. - Security improvements. ## Related topics [collaterize](https://appshunter.io/ios/topics/collaterize) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*