Accelerate your ambitions with a crypto Credit Line.

Borrow funds from 2.9% annual interest without selling your digital assets.

4.9
1K+ reviews
Operating

since 2018

Personalized

client care 24/7

Assets under management

$11+ billion

Operating

since 2018

Personalized

client care 24/7

Assets under management

$11+ billion

Better than a loan.

Up to $200 million

Access borrowing power of up to $2 million daily for individuals and up to $200 million for private clients.

Receive funds in less than 24 hours

Open a Credit Line with an automatic approval process — get funds within 24 hours with no credit history required.

Tax-efficient borrowing

Hold onto your assets while accessing liquidity without triggering taxable events that come with selling.

Borrow stablecoins & other crypto currencies

Choose to receive your loan in your bank account or as stablecoins in your Ritchi account.

Flexible schedule

Repay your Credit Line at your own pace without worrying about rigid schedules.

Multi-asset collateral

Stay flexible and borrow as much as you need by combining multiple assets as collateral.

Multiple repayment options

Choose to repay with fiat or crypto – including the digital assets you used as collateral for your Credit Line.

Play the moves of major market players.

Mirror the investment strategies of large corporations with the Ritchi Booster.

Use your holdings as collateral to acquire up to 3x more digital assets.

The purchase is financed through a Credit Line you can repay anytime.

Annual rates that drive your long-term success.

Up to 7%

On BTC

Up to 8%

On ETH

Up to 12%

On NEXO

Up to 16%

On USDT

Up to 8%

On SOL

Up to 15%

On GBPx

Up to 15%

On USDx

Up to 15%

On EURx

Make the most of your Credit Line with the Ritchi Card.

Get up to 2% crypto cashback on any purchase.

Spend without selling your digital assets.

The more you top up your Ritchi account, the more you can borrow and spend.

Wealth solutions for family offices, corporates, and private clients.

Accounts above $100,000 unlock access to a dedicated relationship manager, exclusive OTC services, custom terms, and rates.

Simplify your crypto taxes with maximum precision.

Save time and stay compliant with automated tax reporting by our partners at Koinly.

Import your Ritchi transaction history into Koinly

Calculate capital gains, losses, and income

Generate compliant reports tailored to your local tax regulations.

Automatic collateral transfer

Keep your Credit Line healthy.

If your collateral depreciates in value, your savings will be transferred automatically to your Credit Line Wallet to keep your loan healthy.

Frequently asked questions.

Creating your Ritchi account is quick and straightforward.

Simply sign up, confirm your email, and complete a fast identity check. Once verified, you’ll be ready to start building wealth with Ritchi.

You can learn about the process in detail here.

After you create your account, you need to buy or transfer crypto, opt in for interest earning via the Ritchi app, and maintain an account balance above $5,000 worth of digital assets. Once that’s done, you’ll be earning daily interest on your digital assets with our Flexible Savings offering.

To start earning interest, clients in certain jurisdictions must proactively opt-in for the service in their Ritchi account.

Ritchi offers over 100 cryptocurrencies, including Bitcoin, Ethereum,
Solana, and USDC—all accessible through flexible payment options.

Choose between Apple Pay, Google Pay, bank transfers, or bank
cards, and purchase digital assets in the way that suits you best.

View the full list of assets here.

Once you buy or top up crypto, you can immediately access your
Credit Line to borrow funds—either sent to your bank account
or your Ritchi account in the form of stablecoins.

Visit our Help Center for more detailed information.

Driving the next generation of wealth.

Ritchi is built for pioneers ready to leverage blockchain technology for wealth generation. Create your account today and get started.
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Utilize the entire Ritchi ecosystem to grow your wealth.

Capitalize on uptrends and downtrends with perpetuals.

Earn high yields while buying low and selling high.

Swap over 100 digital assets seamlessly with a tap.

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Grow your savings

Let your assets work passively or use active strategies for high-yield returns.

Earn daily compound interest with Flexible Savings

Build your wealth with daily compound interest while keeping your funds available anytime.

Earn higher rates for longer with Fixed-term Savings

Earn more for a specific time period and achieve your long-term savings goals.

Earn high yield with
 Dual Investment

Use short or mid-term strategies to buy low and sell high. Earn yield while waiting for your target buy or sell conditions to be met.

Our annual savings rates for supported digital assets.

Up to 7%

On BTC

Up to 8%

On ETH

Up to 12%

On NEXO

Up to 16%

On USDT

Up to 8%

On SOL

Up to 15%

On GBPx

Up to 15%

On USDx

Up to 15%

On EURx