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SafeBay
Accredited Investors and Businesses in Singapore may use SafeBay to get fiat loans against their Bitcoin, capped at 50% of its value.
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Get up to 50% of your Bitcoin's value in fiat loans with SafeBay, tailored for Accredited Investors and Businesses in Singapore. The rates are transparent from 12% per year, with flexible terms up to 12 months and no penalty for early repayment, giving you SGD liquidity without having to sell your Bitcoin.
SafeBay lets accredited investors and Singapore businesses borrow fiat against Bitcoin up to 50% of its value.
- for
- Accredited investors and businesses in Singapore needing crypto-backed liquidity.
- pricing
- paid
Key features
5 features of SafeBay
- Up to 50% LTV — Borrow up to half of your Bitcoin’s market value in fiat.
- Transparent rates — Interest starts at 12% per year with clear pricing.
- Flexible terms — Loan periods of up to 12 months with no early-repayment penalties.
- SGD liquidity — Receive Singapore dollars without selling your Bitcoin holdings.
- Accredited-only access — Designed specifically for accredited investors and qualified businesses in Singapore.
Use cases
- Obtain working-capital in SGD without liquidating Bitcoin holdings.
- Cover short-term expenses while keeping crypto exposure intact.
- Finance a purchase or investment with lower-cost crypto-backed borrowing.
- Bridge cash flow gaps during market volatility.
SafeBay vs alternatives
.png?width=64) SafeBay |  GrineoPay |  PayRam |  Tropayment | |
|---|---|---|---|---|
| Best for | Bitcoin-backed fiat loans | Non-custodial crypto payments | Secure crypto payment processing | Crypto payment gateway for merchants |
| Pricing | Paid | Free | Free | Free |
| DevHunt upvotes | 0 | 1 | 1 | 1 |
| Launched | Nov 2025 | Jan 2027 | Sep 2027 | Apr 2028 |
- SafeBay vs GrineoPay: Provides a crypto payment API rather than crypto-backed loans.
- SafeBay vs PayRam: Focuses on self-hosted crypto payment processing, not lending.
- SafeBay vs Tropayment: Offers a merchant gateway for crypto payments, not loan products.
SafeBay FAQ
How much can I borrow against my Bitcoin?+
You can borrow up to 50% of the Bitcoin’s current market value.
What interest rate does SafeBay charge?+
Rates start at 12% per year and are presented transparently.
Can I repay the loan early?+
Yes, there is no penalty for early repayment.
What is the maximum loan term?+
Loans can be taken for up to 12 months.
Who is eligible for SafeBay loans?+
Only accredited investors and qualified businesses operating in Singapore.
Summarized by DevHunt from safebay.sg · Oct 4, 2026. Details may change; check the official site.
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