Atom
LOANS

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.

Atom Loans Interface on Mobile
GET THE CASH IN 4 STEPS

From portfolio to Nairain 4 simple moves

01
Choose collateral

Choose collateral

Select which crypto or stocks you want to pledge. See your maximum loan amount instantly based on LTV.

02
Pick your amount

Pick your amount

Choose how much you want to borrow — up to your LTV limit. Validity period of every loan is 12 months.

03
Repay on your terms

Repay on your terms

Your loan stays open for 12 months. Repay early, in full or in bits, whenever it suits you.

04
Get your Naira

Get your Naira

Confirm. Funds hit your Atom wallet within minutes.

GET IN THE KNOW

LTV, what it is and
why it matters

SAFE ZONE
-60%

The comfortable zone to be

MARGIN CALL ZONE
60-80%

Atom notifies you to top up or repay

LIQUIDATION
+85%

Atom sells minimum collateral to restore safety

WHY BORROW INSTEAD OF SELL

Borrow vs. Sell:Which is Better?

SELL
  • 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

BORROW
  • 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

ELIGIBLE COLLATERALS

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

Bitcoin

BTC

The world's premier digital asset.

Ethereum

Ethereum

ETH

The foundational network for DeFi.

Polkadot

Polkadot

DOT

Multi-chain protocol for interoperability.

Amazon

Amazon

AMZN

Global e-commerce and cloud leader.

Apple

Apple

AAPL

Consumer tech and services giant.

Tesla

Tesla

TSLA

Electric vehicles and clean energy.

FAQ

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.

GET MORE OUT OF YOUR ASSETS

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.