Your portfolio has more value than you are using.
Get Naira against your crypto or stocks without selling a single unit. Keep your investments. Keep growing. Get the cash you need today.
From portfolio to Naira
in 4 simple moves
Choose collateral
Select which crypto or stocks you want to pledge. See your maximum loan amount instantly based on LTV.
Pick your amount
Choose how much you want to borrow — up to your LTV limit. Validity period of every loan is 12 months.
Repay on your terms
Your loan stays open for 12 months. Repay early, in full or in bits, whenever it suits you.
Get your Naira
Confirm. Funds hit your Atom wallet within minutes.
LTV, what it is and
why it matters
The comfortable zone to be
Atom notifies you to top up or repay
Atom sells minimum collateral to restore safety
Borrow vs. Sell:
Which is Better?
You no longer own the asset — miss any future upside
If price rises after you sell, you missed the gain
You have to rebuy later — potentially at a higher price
Selling large amounts can move the market against you
You lose your position entirely
You keep your Bitcoin — it grows if the price rises
No capital gains event — you did not sell
Get Naira in your account within 4 hours
Repayments on your salary date — manageable
Collateral fully returned when you repay
What can you use to leverage on Atom
See the full variety of assets you can put to work as collateral and unlock liquidity.
Bitcoin
BTC
The world's premier digital asset.
Ethereum
ETH
The foundational network for DeFi.
Polkadot
DOT
Multi-chain protocol for interoperability.
Amazon
AMZN
Global e-commerce and cloud leader.
Apple
AAPL
Consumer tech and services giant.
Tesla
TSLA
Electric vehicles and clean energy.
Lending on Atom
answered
Get in the know. Find clear answers to your questions about lending, LTV, and managing your loan securely on Atom.
An asset-backed loan lets you borrow Naira against the value of crypto or US stocks you already hold on Atom, without selling your investments. Pledge your assets as collateral, receive Naira in your wallet, and repay within 12 months. Your collateral is returned in full when you clear the loan.
Your portfolio can do two things at once.
Atom
ATOM is a comprehensive Digital Asset Management platform designed to help individuals, investors, financial institutions, and businesses efficiently manage, monitor, and grow their digital and financial assets.
By bringing together cryptocurrency portfolios, stock investments, and loan management in a single ecosystem, ATOM simplifies the complexities of modern finance.
| Product | Business & Institutions | Company | Learn |
|---|---|---|---|
| Crypto | Trade with Atom | About Us | FAQ |
| Stocks | Build with Atom | Terms of Service | Trust & Security |
| Loans | Lend with Atom | Privacy Policy |
