Bitcoin Native Credit Line
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Frequently asked questions
Frequently asked questions
Everything you need to know about the bitcoin native credit line by Surge. Find answers to the most common questions below.
How is Surge different from Bitcoin lending apps?
Surge is non-custodial and fully on-chain. Your Bitcoin never leaves your control. It’s secured in a Taproot-based smart vault, a next-generation multi-sig setup between you and a pool of lenders. Every action, from access to liquidation, is enforced by code not by a company. You can verify your Bitcoin on-chain at any time.
How do you ensure zero rehypothecation?
Every credit line is backed by a unique Taproot address that you can verify publicly. Your Bitcoin stays visible and verifiable on-chain, it’s never moved, pooled, or reused behind the scenes. Neither Surge nor lenders can repurpose your collateral. The protocol enforces all actions (repayments, renewals, or liquidations) programmatically.
How competitive are your rates?
Surge offers a rolling credit line for up to 12 months, with rates between 8–10%. You can repay, extend, or manage your line anytime without reapplying. Traditional platforms average around 12%. Surge’s value lies in being self-sovereign, transparent, and verifiable borrow against your Bitcoin without giving it up.
What fees do I pay apart from interest?
You’ll only pay a small transaction fee when withdrawing or renewing, covering Bitcoin network costs. If your position is liquidated, a 5–8% penalty applies. We notify you when your collateral nears risk levels so you can act before liquidation.
How do I access Surge?
Surge will be available on iOS, Android, and as a progressive web app. You can manage your Bitcoin-backed credit line securely on desktop or mobile anytime.
How secure and open is Surge?
Surge uses a Taproot-based setup secured by a signer network bridging Bitcoin and Ethereum liquidity. The cryptography and infrastructure are open-source, audited, and used by major institutional players. We’re committed to transparent development system status, reports, and code will always be public at surge.build.
Who are lenders, and how are rates determined?
Surge is market-driven and transparent. Lenders are publicly listed at surge.build and verified through KYB. Rates balance lender yield and borrower access through an open market model, ensuring fairness and competition.
When will Surge launch?
Private Beta opens in Q4 2025, followed by a Closed Public Beta in Q1 2026. Join the waitlist for early access to Bitcoin-native credit before it goes public.
How is Surge different from Bitcoin lending apps?
Surge is non-custodial and fully on-chain. Your Bitcoin never leaves your control. It’s secured in a Taproot-based smart vault, a next-generation multi-sig setup between you and a pool of lenders. Every action, from access to liquidation, is enforced by code not by a company. You can verify your Bitcoin on-chain at any time.
How do you ensure zero rehypothecation?
Every credit line is backed by a unique Taproot address that you can verify publicly. Your Bitcoin stays visible and verifiable on-chain, it’s never moved, pooled, or reused behind the scenes. Neither Surge nor lenders can repurpose your collateral. The protocol enforces all actions (repayments, renewals, or liquidations) programmatically.
How competitive are your rates?
Surge offers a rolling credit line for up to 12 months, with rates between 8–10%. You can repay, extend, or manage your line anytime without reapplying. Traditional platforms average around 12%. Surge’s value lies in being self-sovereign, transparent, and verifiable borrow against your Bitcoin without giving it up.
What fees do I pay apart from interest?
You’ll only pay a small transaction fee when withdrawing or renewing, covering Bitcoin network costs. If your position is liquidated, a 5–8% penalty applies. We notify you when your collateral nears risk levels so you can act before liquidation.
How do I access Surge?
Surge will be available on iOS, Android, and as a progressive web app. You can manage your Bitcoin-backed credit line securely on desktop or mobile anytime.
How secure and open is Surge?
Surge uses a Taproot-based setup secured by a signer network bridging Bitcoin and Ethereum liquidity. The cryptography and infrastructure are open-source, audited, and used by major institutional players. We’re committed to transparent development system status, reports, and code will always be public at surge.build.
Who are lenders, and how are rates determined?
Surge is market-driven and transparent. Lenders are publicly listed at surge.build and verified through KYB. Rates balance lender yield and borrower access through an open market model, ensuring fairness and competition.
When will Surge launch?
Private Beta opens in Q4 2025, followed by a Closed Public Beta in Q1 2026. Join the waitlist for early access to Bitcoin-native credit before it goes public.
How is Surge different from Bitcoin lending apps?
Surge is non-custodial and fully on-chain. Your Bitcoin never leaves your control. It’s secured in a Taproot-based smart vault, a next-generation multi-sig setup between you and a pool of lenders. Every action, from access to liquidation, is enforced by code not by a company. You can verify your Bitcoin on-chain at any time.
How do you ensure zero rehypothecation?
Every credit line is backed by a unique Taproot address that you can verify publicly. Your Bitcoin stays visible and verifiable on-chain, it’s never moved, pooled, or reused behind the scenes. Neither Surge nor lenders can repurpose your collateral. The protocol enforces all actions (repayments, renewals, or liquidations) programmatically.
How competitive are your rates?
Surge offers a rolling credit line for up to 12 months, with rates between 8–10%. You can repay, extend, or manage your line anytime without reapplying. Traditional platforms average around 12%. Surge’s value lies in being self-sovereign, transparent, and verifiable borrow against your Bitcoin without giving it up.
What fees do I pay apart from interest?
You’ll only pay a small transaction fee when withdrawing or renewing, covering Bitcoin network costs. If your position is liquidated, a 5–8% penalty applies. We notify you when your collateral nears risk levels so you can act before liquidation.
How do I access Surge?
Surge will be available on iOS, Android, and as a progressive web app. You can manage your Bitcoin-backed credit line securely on desktop or mobile anytime.
How secure and open is Surge?
Surge uses a Taproot-based setup secured by a signer network bridging Bitcoin and Ethereum liquidity. The cryptography and infrastructure are open-source, audited, and used by major institutional players. We’re committed to transparent development system status, reports, and code will always be public at surge.build.
Who are lenders, and how are rates determined?
Surge is market-driven and transparent. Lenders are publicly listed at surge.build and verified through KYB. Rates balance lender yield and borrower access through an open market model, ensuring fairness and competition.
When will Surge launch?
Private Beta opens in Q4 2025, followed by a Closed Public Beta in Q1 2026. Join the waitlist for early access to Bitcoin-native credit before it goes public.