Selling an asset to access cash is one of the oldest mistakes in personal finance. You crystallize a tax event. You exit a position you spent years building. And you lose the future return on whatever you sold.
Avin's line of credit is built on a simple idea: you shouldn't have to sell what you've patiently accumulated just to handle a short-term need.
How collateral works inside Avin
Your gold, BTC, and ETH balances inside Avin can be used as collateral for an instant line of credit. You name the amount, we lock the corresponding collateral, and the cash arrives in your fiat wallet in seconds.
Interest accrues only on the drawn portion, not on the available line. You can repay any amount, any time, with no early-repayment fee. The collateral unlocks the moment the line is repaid.
"Liquidity should be a feature of holding, not a punishment for it."
Conservative by default
We cap loan-to-value at 50% on volatile assets and 70% on gold. We notify you long before any margin event. We have never auto-liquidated a customer without 48 hours of explicit warning, and we never will.
