Up to 2 Year Repayment Term
Long-term flexibility without short-term pressure.
Your Assets
and
Powered by Qaay
Available to Borrow 0.00 USDx
Borrow smarter with your crypto!
Stop Selling Your Future
Use your digital assets for liquidity, flexibility, and growth.
Real-time pricing. Automated risk control. Full transparency.
See how much you can borrow, instantly.
Combine your assets and calculate your borrowing power in real time.
+ 18Supported assets
+ 65Blockchain networks, ready to use
Our Services
Built on transparency. Powered by automation.
Dynamic Borrowing
Access liquidity without selling your assets. Qaay’s dynamic collateral system lets you borrow against your portfolio while maintaining flexibility and control, powered by real-time market pricing. Enjoy a two-year borrowing term with no fixed monthly repayments. With continuous risk monitoring and borrowing power that adapts to your asset value, your position stays responsive.
Qaay Features
A New Financial Architecture
Oracle Control
Qaay’s Oracle continuously coordinates pricing, thresholds, and system rules in real time, handling complexity behind the scenes for seamless user control.
Real-Time Pricing
Qaay Prism aggregates multi-source market data and validates prices continuously to deliver stable, market-aligned valuations every few seconds.
Dynamic Collateral
Borrow without locking assets; your position adapts in real time while the Qaay Engine maintains required safety buffers automatically.
Automated Risk
Qaay’s Credit Score automates risk control in real time, monitoring your position continuously and keeping complex safety logic simple and predictable.
Supported Blockchain Protocols
What’s verified?
Here’s the list of
verified cryptocurrencies
verified cryptocurrencies
Qaay adds new cryptocurrency listings every week. To learn more, check out the Qaay Market page.
Start in minutes!
Instant access, Full control
Create your account
Sign up and activate your Qaay account in minutes!
Deposit your crypto
Add assets to your Credit Line and unlock your borrowing power
Borrow instantly
Use your assets as collateral and access funds in seconds
Voices from our community
Real voices. Real results. Real trust.
FAQ
Use Qaay with confidence
Choose a category to find the right answer
How do I get started with Qaay?
Create your account and deposit crypto. After your deposit is confirmed, your funds will be added to your Credit Line and will be available for use across Qaay services.
Is Qaay easy for beginners?
Qaay simplifies complex crypto services by providing clear sections for earning, borrowing, swapping, and managing assets.
Can I start with a small amount?
Yes. Qaay lets you start with any available account balance, depending on the service you choose.
Do I need crypto experience?
No. Qaay is designed to help users manage cryptocurrency in a guided and user-friendly manner, even if they are new to the field.
Our Story
The Story Behind Qaay
Qaay is a financial technology platform developed in Sweden over two years and seven months by a 16-member team from five countries across three continents. Qaay was founded on the post-pandemic insight that individuals should not need to sell valuable assets to access liquidity when those assets can serve as collateral. Qaay applies this principle through a reliable, fully online, real-time, and automated financial ecosystem. The Qaay team offers extensive expertise in banking, card-issuing operations, digital finance, and crypto infrastructure. Their experience includes leadership roles in Mastercard and Visa card services, in-depth knowledge of banking products, and hands-on involvement in the crypto industry since 2020. Qaay integrates structured financial logic with modern crypto-backed infrastructure. The platform uses Qaay Prism for multi-source price aggregation and normalization, and Qaay Oracle for valuation, collateral assessment, and risk management. Dashboards and reports are designed to protect privacy while providing aggregated transparency as needed. Qaay is built with fully licensed tools and infrastructure, prioritizing reliability, disciplined execution, and compliance-driven growth. Trust is embedded in the system through transparency, performance, automation, and responsible product design.
