Borrow Fiat.
Keep Your Bitcoin.
Use your BTC as collateral to access instant loans in KES, USD, EUR, and more.
100% non-custodial, smart contract-powered lending.
Your BTC
Stays Yours
Instant Fiat
In Your Account
Built for the Internet Computer
BitPesa leverages ICP's unique capabilities to create the first truly decentralized Bitcoin lending platform with native blockchain integration
ICP-Native Bitcoin Integration
Direct Bitcoin integration on the Internet Computer Protocol with native ckBTC support and threshold ECDSA signatures for secure transactions.
Canister-Generated Bitcoin Addresses
Each user gets unique Bitcoin addresses generated by our lending canister, enabling direct Bitcoin deposits without custodial risk.
Internet Identity Authentication
Secure, passwordless authentication using Internet Identity. No seed phrases to remember—your ICP identity is your gateway to lending.
Smart Contract Automation
Fully automated lending powered by ICP smart contracts. Instant loan processing, collateral management, and repayment handling.
Powered by Internet Computer Protocol:
How It Works
Connect ICP Identity
Authenticate with Internet Identity for secure access to the platform. No passwords or seed phrases required
Generate Bitcoin Address
Our canister generates a unique Bitcoin address for you using threshold ECDSA signatures
Get Local Currency
Send Bitcoin to your address, deposit as collateral, and receive KES, USD, EUR directly to your mobile money account
Competitive Rates
Competitive interest rates starting at just 1% annually
Borrow up to 70% of your BTC's value in fiat currency
No hidden costs or origination fees on any loan
Competitive rates
No credit checks
Flexible loan terms
Powered by the Internet Computer
BitPesa leverages ICP's revolutionary capabilities to create the first truly decentralized Bitcoin lending platform
Threshold ECDSA
Native Bitcoin transactions signed directly by ICP canisters using threshold cryptography—no bridges or wrapped tokens needed.
Internet Identity Auth
Passwordless authentication with biometric security. Your identity is cryptographically secured on-chain.
Canister Smart Contracts
WebAssembly-powered smart contracts with 1GB storage capacity and HTTP outcalls for real-world integration.
Chain-Key Cryptography
Revolutionary consensus mechanism enabling direct multi-chain integrations without relying on bridges.
Experience the Future of DeFi
Join the first generation of users accessing KES, USD, EUR directly from Bitcoin collateral on ICP
Our Roadmap to Success
Follow our ambitious journey as we revolutionize Bitcoin lending and crypto asset management
Phase 1: MVP Development
Hackathon launch with core lending functionality, smart contracts, and basic UI
- Smart contract development for BTC lending pool
- Integration with price oracles
- Basic frontend interface development
- Security audits and testing
Phase 2: Platform Enhancement
Expanded functionality and improved user experience
- Implementation of token bridge for cross-chain assets
- Improved liquidation mechanisms
- Enhanced dashboard with analytics
- Mobile responsiveness optimization
Phase 3: Crypto Wills Launch
Revolutionary crypto inheritance features to secure digital assets
- Smart contract development for will execution
- Time-lock and inheritance verification systems
- Multi-signature authorization protocols
- Beneficiary management interface
Phase 4: Global Expansion
Scaling the platform to reach global markets
- Multi-language support
- Regional compliance adaptations
- Lightning Network integration
- Strategic partnerships and integrations
Phase 5: Advanced Trust Fund Features
Sophisticated financial planning and asset protection tools
- Programmable trust funds with conditional releases
- Educational fund management
- Charitable giving options
- Advanced inheritance planning tools
Join Our Journey
We're constantly evolving and improving BitPesa. Stay informed about our latest developments and be the first to know when new features are released.