Buy · Swap · Earn · Borrow
Your wallet. Your crypto. Your loan.
Helio Wallet is a self-custody crypto wallet with built-in loans. Buy, swap and stake your coins, and when you need cash, borrow against them instead of selling.
- Self-custody wallet
- Fixed rates from 3.25% APR
- No early repayment penalty
Sample account
SALT Authorized Loan Partner
Helio Lending is an authorized loan partner of SALT, a licensed crypto-backed lender. Through Helio, you can also apply for a loan made by SALT Lending LLC (NMLS #1711910). How this works
Why holders love us
Borrow without the stress of the market
Helio loans are non-recourse, with no margin calls. Prices can fall and your loan stays exactly as agreed.
Non-recourse loans
If you can't repay, your collateral settles the loan. We carry the risk, not you.
No margin calls
Markets move, your loan doesn't. You'll never be asked to top up collateral.
Fixed repayment
Your rate and what you owe are fixed on day one and never change.
Your coins stay whole
The amount of crypto you pledge never changes. No partial sales when prices dip.
Walk away, no liability
Choose not to repay and keep the loan. Your collateral covers it, and you owe nothing more.
Fast funding
Coins to your Helio balance or dollars to your bank soon after your collateral arrives and you're approved.
Repay early, free
Pay off your loan whenever you like, with zero early repayment penalty.
Insured cold storage
Pledged coins are kept in cold storage insured by Evertas, and never traded or lent out.
These terms apply to loans made by Helio Lending Pty Ltd. Loans made by SALT through our partner program follow SALT's own terms.
Wallet
All your coins, in a wallet you own
Hold Bitcoin, Ethereum, stablecoins and more in one self-custody wallet. See every balance in dollars, and receive or send in a few taps.
- Your recovery phrase, your wallet
- Balances shown in coins and in US dollars
- Receive and send across supported networks
Buy
Buy crypto in a few taps
Buy Bitcoin, Ethereum, USDT and more with US dollars, Australian dollars, euros, pounds and other currencies. Helio compares offers from payment providers such as MoonPay and Stripe, and shows the best one first.
- Offers compared side by side, fees included
- No extra Helio fee: you pay the provider's price
- Coins arrive straight in your Helio balance
The payment provider takes your payment and checks your identity. Payment methods and limits depend on the provider and where you live.
Swap
Swap coins at the best rate we can find
Exchange one coin for another right inside Helio. For every swap we compare several exchange services and show you the best offer, with the rate, the fee and the arrival time, before you confirm.
- Best of 3 exchange services, compared every time
- No Helio swap fee
- Receive into your Helio balance or straight to another wallet
- Track each swap, with an email when it lands
Rates move while a swap runs. You get what arrives, and we show the amount before and after.
Earn
Stake your coins and earn rewards
Put coins you're holding to work. Stake Solana or TRON with the network through Helio, and earn rewards that arrive daily and stay staked, so they grow too.
- Estimated yearly rate and Helio's commission shown before you stake
- Rewards come from the network itself, paid daily from your second day
- Unstake when you like: 3 days for Solana, 14 days for TRON
Rates are estimates and change with the network. Rewards aren't guaranteed. Staked coins can't be sent or swapped until they're unstaked.
Borrow
Borrow against your crypto, keep your upside
Need cash but don't want to sell? Pledge some of your crypto and borrow USDT, USDC, Bitcoin or Ethereum against it, or have US dollars paid to your bank. If your coins rise, the gain is yours. If they fall, that's our risk.
- Loans from $10,000, at fixed rates from 3.25% APR, for 1 to 12 months
- Use the coins in your wallet as collateral, up to 70% of their value
- Non-recourse: no margin calls, no personal liability
- Build your credit meter to unlock lower rates
Business credit
Credit for your business, without collateral
Tell us about your business once in the app: company details, owners and documents. Once it's verified, apply for credit with the amount, term and purpose. We set the rate for each loan and may ask for a security deposit, which is held until you repay. Funds go to your Helio balance in USDT, or to your bank in US dollars.
Business credit is not non-recourse: if it isn't repaid, the security deposit covers what it can and the business owes the rest. No personal guarantee is required. Verified businesses can also borrow against crypto at up to 75% of its value.
How borrowing works
From sign-up to cash in four steps
Sign up and verify
Create your Helio Wallet and complete a quick identity check in the app.
Pledge collateral
Choose your loan, then send the coins you're pledging. Helio reviews and approves your application.
Receive your loan
Get USDT, USDC, Bitcoin or Ethereum in your Helio balance, or US dollars paid to your bank account.
Repay, get it back
Pay interest monthly and the principal at the end, or repay early for free. Your collateral comes back in full.
Loan calculator
See exactly what your loan costs
Pick your collateral, loan size, rate and term. You pay only interest each month and the loan amount at the end, and your repayment never changes, whatever the market does.
- No margin calls: price drops don't change your loan
- Non-recourse: walk away and you owe nothing more
- No early repayment penalty
- Monthly interest
- $67.71
- Total interest over the term
- $812.50
- Repay at the end
- $25,000
Estimate only, not a quote. Your rate is set when you apply. Applies to loans made by Helio Lending Pty Ltd.
Security
How your crypto is protected
Coins in your wallet are controlled by you alone. Coins you pledge for a loan are held by Helio until you repay.
Your recovery phrase
Your wallet is backed up by a recovery phrase that only you hold. Write it down and keep it offline. Helio will never ask for it.
Collateral custody
Pledged coins are kept in cold storage, insured by Evertas, a specialist crypto insurer, and are never traded or lent out while they secure your loan.
Know the terms first
Your loan agreement sets out every cost and exactly what happens if you don't repay. The same terms are on our rates & fees page.
Lost your phone?
Install Helio Wallet on a new phone and restore your wallet with your recovery phrase. Your open loans stay linked to your verified account.
Supported coins
Popular coins, one wallet
Buy, swap, send and receive every coin below, and pledge any of them as loan collateral.
BitcoinBTC
EthereumETH
TetherUSDT
USD CoinUSDC
SolanaSOL
XRPXRP
BNBBNB
LitecoinLTC
TRONTRX
DogecoinDOGE
PolygonPOL
"Borrow up to" is the largest loan as a share of that coin's value for personal loans. Buying and swapping depend on provider availability for each coin and network.
Learn
Crypto, explained
Short, plain-English guides to borrowing, swapping and staking.
How crypto staking works, and where the rewards come from
What staking is, why networks like Solana and TRON pay rewards, what the estimated rates mean, and the risks to weigh before you stake.
Read article
Swapping crypto in your wallet vs trading on an exchange
How an in-wallet crypto swap works, how it compares with selling and buying on an exchange, and what to check before you swap.
Read article
Loan-to-value (LTV) explained for crypto borrowers
What loan-to-value (LTV) means for a crypto-backed loan, how to calculate it, and how to choose the right LTV for your loan.
Read articleFAQ
Common questions
Who holds my crypto?
You do. Helio Wallet is a self-custody wallet: the coins in it are controlled by your recovery phrase. The only exception is loan collateral. When you borrow, the coins you pledge are held by Helio in cold storage, insured by Evertas, until the loan is repaid in full, and then returned to your wallet.
What do I receive when I borrow?
You choose: USDT, USDC, Bitcoin or Ethereum in your Helio balance, or US dollars paid to your bank account. Interest and repayment are in the coin you borrow.
What does a loan cost?
A fixed interest rate from 3.25% to 7.95% APR. You pay interest monthly and the loan amount at the end of the term, and you can repay early with no penalty. There is no origination fee, and a higher credit meter level lowers your rate. See the rates & fees page.
How much can I borrow, and for how long?
Loans start at $10,000, with terms from 1 to 12 months. The amount depends on the value of the collateral you pledge.
What is business credit?
A loan for your business without crypto collateral. Verify your business once in the app, then apply with the amount, term and purpose. We set the rate for each loan and may ask for a security deposit. Unlike our crypto-backed loans, business credit is not non-recourse: if it isn't repaid, the business owes any shortfall. No personal guarantee is required.
What happens if the price of my collateral falls?
Nothing changes. Helio loans have no margin calls and no sales triggered by price moves: you won't be asked to add collateral, the amount of crypto you pledged stays the same, and your repayment stays exactly as agreed.
What does non-recourse mean?
It means the collateral is the only thing that secures your loan. If you decide not to repay, your collateral is kept to settle the loan and you owe nothing more: no personal liability and no further claims against you.
What if I miss a payment?
You have a 120-hour grace period. If the loan still isn't repaid after that, your collateral is used to settle it and the loan is closed. Because the loan is non-recourse, you owe nothing more.
How do I buy crypto in Helio?
Tap Buy, choose a coin and an amount in your currency, and compare the offers from our payment providers, fees included. The provider takes your payment and checks your identity, then sends the coins to your Helio balance. Helio adds no fee of its own.
What does a swap cost, and how long does it take?
Helio doesn't charge a swap fee. Each exchange service's rate includes its own costs, and we compare several services to show you the best offer. The rate, the amount you'll receive and the estimated arrival time are shown before you confirm, and we email you when the swap lands.
Where do staking rewards come from?
From the blockchain network itself. When you stake Solana or TRON, your coins help secure the network and it pays rewards, which arrive in Helio daily and stay staked. Helio keeps a commission on rewards, shown before you stake. Rates change and aren't guaranteed. Unstaking takes 3 days for Solana and 14 days for TRON, and your coins can't be sent or swapped in the meantime.
What if I lose my phone?
Install Helio Wallet on a new device and restore your wallet with your recovery phrase. Keep your recovery phrase somewhere safe and offline: nobody, including Helio, can recover it for you.
Where is Helio available?
Loans are available in 47 US states, Washington D.C., Puerto Rico, Canada, Brazil, Portugal, Switzerland, the United Kingdom, the United Arab Emirates, Viet Nam, Australia, New Zealand and the Northern Mariana Islands. See the full list.
Get Helio
Available now on Android and the web, coming soon to iPhone. Questions? Write to us at [email protected].