Crypto lending and payments

SpetroCoin allows users to use their cryptocurrency holdings as collateral to back their crypto loans.


  • Customer service that is quite responsive.
  • Simple methods and an easy-to-use UI.
  • Available all throughout the world with exception of few countries


  • Relatively high charges


  • Loan-to-value ratio: The LTV ratio is the percentage difference between the loan size and the collateral value. SpecroCoin system will issue automatic notifications if the value of your collateral drops drastically. If you receive a notice, it proposes paying off a portion of your loan or boosting your collateral.
  • Simple user interface

What is SpectroCoin Loans?

Vytautas Kаrаlеvu, Mantas Mockeviius, and Jutas Dоblаukа founded SресtrоCоn in February 2013, however the lending platform was not released until 2019. Crypto loans, or digital loans created with blockchain wallets as a foundation, are permitted on the brokerage platform.

Your crypto assets can be used as collateral in crypto lending, and after the loan is paid off, your crypto assets will be returned to your wallet address.

SpectroCoin crypto loans are available in a variety of currencies, including Bitcoin, Ethereum, and the euro. Users can use any of these cryptocurrencies, as well as traditional currencies such as the Euro, to make purchases (only available for verified users).

Loan-to-value (LTV) ratios range from 25% to 75% on the lending platform. Choosing a high LTV is a riskier alternative, but it allows clients to obtain the largest possible crypto loan with their crypto collateral.

The payment of interest is automated, and the amount will be deducted from the users' accounts on a monthly basis. Prepayments of the loans are not subject to penalty, thus users are urged to pay off the balance whenever it is convenient. The length of a user's crypto loan is also up to them.

Year Founded: 
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