Private crypto loans on Rujira

Borrow against 11 coins from a private account. The loan works like any Rujira loan, without a visible link to your wallet.

What the chain shows

A loan opened from your wallet, and the same loan opened with Redacted.

Without Redacted
Bitcoin
Locked as collateral · thor1q9…8xkd
0.058 BTC
public
  • Your wallet address on the loan.
  • Every other position that wallet holds.
With Redacted
Bitcoin
Locked as collateral privately
  • The loan works like any other Rujira loan.
  • It belongs to a Spending account with no visible link to your wallet.

Why it matters for loans

An open loan on a public chain shows its collateral, its debt and with them its liquidation price. Anyone can see how close it is and trade toward it, and the loan ties your collateral to everything else in your wallet. With Redacted the loan is still on-chain, but nothing links it to you.

Collateral

Each coin and the share of its value you can borrow against it.

Borrow against AvalancheUp to 70% loan-to-valueBorrow against Bitcoin CashUp to 70% loan-to-valueBorrow against BNBUp to 70% loan-to-valueBorrow against BitcoinUp to 70% loan-to-valueBorrow against DogecoinUp to 70% loan-to-valueBorrow against EtherUp to 70% loan-to-valueBorrow against USD CoinUp to 70% loan-to-valueBorrow against TetherUp to 70% loan-to-valueBorrow against LitecoinUp to 70% loan-to-valueBorrow against TronUp to 70% loan-to-valueBorrow against XRPUp to 70% loan-to-value

Borrow rates

Yearly rates and how much of each coin is already lent out.

CoinBorrow rateLent out
XRP0.50%0%
AVAX0.50%0%
BNB0.50%0%
BCH0.51%0%
DOGE0.53%1%
TRX0.54%1%
LTC0.55%2%
ETH1.25%22%
BTC2.23%52%
ATOM2.93%73%
USDC3.04%52%
USDT3.24%55%

How a private loan will work

  1. 1

    Unlock your private account

    Sign in with a passkey or one signature from the wallet you already use. Nothing about the account points back to that wallet.

  2. 2

    Fund it through the Reserve

    New money waits about two hours before it can be used privately, which makes it harder to match a deposit to what you do next.

  3. 3

    Open the loan from Spending

    Your collateral moves from the Reserve to a Spending account and becomes collateral on Rujira. You borrow from there.

  4. 4

    Repay or close any time

    Paying back and closing happen from the same Spending account, and whatever is left can return to the Reserve.

How borrowing on Rujira works

Collateral
Each coin has a collateral ratio. For BTC it is 70%, so every $100 of BTC lets you borrow up to $70. The collateral is the coin itself, held as a THORChain secured asset, with no bridge or wrapped token in between.
Interest
Rates follow how much of a coin is already lent out and rise as more is borrowed. Lenders receive the interest, minus Rujira’s 10% protocol fee.
No fixed term
A loan stays open as long as your adjusted collateral value stays above your debt. There is no repayment schedule.
Liquidation
If the adjusted loan-to-value reaches 100%, part of the collateral is sold on Rujira’s orderbook to repay part of the loan, until the position is safe again. Rujira charges a 1% liquidation fee and a 0.5% liquidator fee on the repaid debt.

Source: Rujira’s documentation on the RUJI Money Market and RUJI Liquidations.

Why Redacted works this way

Financial privacy, the way the cypherpunks meant it

In the early 1990s the cypherpunks argued that an open society needs people to be able to pay and trade without broadcasting their lives. Public blockchains made every balance and every trade visible by default. Redacted keeps the activity on-chain and the rules public, and takes the person out of the picture.

Open to anyone

Anyone with a wallet can use Redacted, with no sign-up and no identity check. The rules are public and the same for every user, and withdrawals are always open.

Proofs instead of trust

Your browser proves every action with a zero-knowledge proof. Nobody holds your keys or can spend your notes, and the code is open source for anyone to check.

Nodes decide

Independent nodes approve deposits after the checks they choose. New money waits about two hours, which makes a deposit harder to match to what you do next.

Private loans, answered

How does a private loan work?+

Your collateral moves from the Reserve to a Spending account and opens a loan on Rujira from there. The loan is public on-chain, the link to your wallet is not.

Which coins can I use as collateral?+

Every coin Rujira accepts as collateral, listed on this page with its maximum loan-to-value from Rujira’s live data.

Market data from Rujira’s public API, as of 6 Oct 2026. Prices and rates change all the time. General information only, not financial advice.