PayBito Bank

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FD Interest Rate, 7.45%

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Loan Interest Rate, 9.2%

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Countries: Available in 100+ countries (USA, Europe, Asia)

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Flexible- Withdraw anytime (24 hour lock-up period)

Crypto Banking: The DeFi Venture by PayBito

Key Banking Applications

Current & Savings Account

1. Earn upto 7.4% interest with a PayBito savings account. Interest is accrued on a daily-basis and is paid on a monthly basis. No hidden costs. No minimum balance. Hence, no reason to wait.

2. Our platform provides full transparency and total control over your account and assets. The PayBito App enables you to operate from any smart device.

3. PayBito believes in client-empowerment. That’s precisely why we allow you the choice of cryptocurrency in which to receive interest payments. So, you take your pick from Bitcoin, Ether or any stablecoin.

4. We employ the latest and updated security measures and protocols to protect your data. This includes a two-factor authentication to gain access. Thus creating a secure ambience for your assets to accrue interest.


1. Payments- IN/OUT USD, INR, AED, SGD

2. At PayBito, we work to hasten the process of conversion from fiat to cryptocurrency.

3. Senders and recipients get notified of the benefits of settlement within seconds of transfer.

4. Our processing fees are the least, compared to other payment methods prevalent in the industry.

Crypto Collateral for Payments

1. In PayBito, the Bitcoin (BTC) in your account acts as the collateral against the loan. When a sum is borrowed, the corresponding amount in BTC is transferred from your BTC wallet to a designated collateral wallet which will now hold your BTC. BTC collateral can only be withdrawn from your collateral wallet once the loan is repaid, which can be made over the following 12 months.

2. Only Bitcoins, worth your borrowed sum, is accepted as a collateral against the loan. No other cryptocurrency qualifies to be placed as a collateral.

3.Users with loan health featuring above 70%, may avail the option of withdrawing the excess collateral back into their BTC wallets or use those to borrow additional amounts towards yet another loan.


1. We platter a varied assortment of available crypto to be borrowed and be used as a collateral for a loan.

2. We maintain risk control procedures through various collateral rates in distinct currencies for ease of use.

3. We ensure immediate withdrawal of your borrowed crypto, irrespective of your location.

How to Start?

Step 1. Borrower raises a request for loan

Step 2. Move borrower’s Collateral Assets to PayBito’s platform

Step 3. Borrower’s request is approved by PayBito

Step 4. Rate of Interest is fixed at 9.2%

Step 5. Upon full repayment of the loan with interest, the borrower’s crypto assets get reverted to the borrower’s wallet.

Get Started in Just a Few Minutes

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Create an Account

Create your free account and follow the onboarding steps.

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Verify Identity

Once you’ve onboarded, upload required documents to verify your identity.

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