Licensed in Hong Kong. Licensed Money Lenders. Money Lender's Licence No. 0397/2025.
The smart don't sell. They spend.
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Rize lets you borrow against your assets to fund everyday spending and reduce exposure within a compliant legal framework

Key features

A line of credit secured by your digital assets

No asset sales required

Don’t sell assets to get cash — borrow against them while keeping ownership and market exposure

Reduced tax exposure

Borrowing against assets has a smaller chance of creating a tax event than selling, depending on local regulation

Spend online & offline

Spend cash online and offline via credit card or bank transfer

USD & EUR spending

Withdraw and spend in USD or EUR via card or bank transfer

How it works

Complex infrastructure, simple experience

01

Verify

Register, upload your ID, and answer a few questions. The process is simple, and your account will be approved within hours

Start Now
02

Fund

Inject collateral into «Top-up wallet» to activate your line of credit. Order your virtual or physical card

See Rates
03

Spend or Withdraw

Spend with card or withdraw via bank transfer. Repay every 24 hours. More options coming Soon

See What's Coming

Privacy

Built for private,
responsible spending

KYC Threshold

KYC is common everywhere, but the depth differs. How much information is requested from you is the key difference.

Rize collects the minimum required data to stay compliant

Reporting

Besides tax reporting, when it comes to digital assets, there are also travel rule, CRS reporting, reporting to local regulators and integration partners.

Rize minimizes reporting while remaining compliant

Tax implications

Borrowing is less likely to trigger taxable events than selling. Certain financial service providers (EMI’s and VASPS) have direct tax reporting obligations under several international legal frameworks

Rize is built to stay compliant with minimum reporting obligations

Compliance & Security

While we do prioritize our users privacy
we see compliance as a necessary tool to filter out bad actors

Licensed in Hong Kong. Licensed Money Lenders. Money Lender's Licence No. 0397/2025.

Onboarding is based on an ongoing risk scoring matrix approach

Every transaction automatically undergoes KYT scanning

Enhanced Due Diligence with individual review for high-risk cases

Technology

We operate our own client-facing interface and account infrastructure, giving us full control over deposits and withdrawals.

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Open RIZE to gain liquidity|

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Open your line of credit

Complete verification, Inject collateral, and start using your line the same day

You will receive OTP on this adress
Open Account

Loans & collateral

LTV-based loans backed by your assets

LTV from 60% to 100%

Each asset unlocks a line of credit based on its LTV and current market value

Automatic credit updates

Withdraw gradually — your available credit is recalculated after every withdrawal

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Try changing values to see how LTV updates

Assets wallet

90% LTV

Market value

$

2% injection fee applies

Credit Summary

Credit Limit

$

Credit Used

$

LTV ratios are indicative. This is a demonstration only.

Pricing

Full rate transparency

All rates are disclosed upfront — no hidden fees or surprise charges. You can review current rates and statements anytime

All tiers

Card fee

Cross border + FX
3.00%
ATM withdrawal Fee
5.00%
Card Dispute Fee
$100
POS transaction decline
$1
ATM transaction decline
$1
Small Transactions Fee
$2

Silver

Platform fee

Issue card fee
$100
Card shipping fee
$100
Monthly fee
$15
Injection fee
2.00%
Digital Asset withdrawal
$35
Inactivity fee
$100
Card replacement
$50
Fiat withdrawal
1%+bank fee
Inject $1+Spend $1+

Gold

Platform fee

Issue card fee
$100
Card shipping fee
$100
Monthly fee
$10
Injection fee
1.50%
Digital Asset withdrawal
$25
Inactivity fee
$100
Card replacement
$30
Fiat withdrawal
0.75%+bank fee
Inject $5,000+Spend $10,000+

Platinum

Platform fee

Issue card fee
$100
Card shipping fee
$100
Monthly fee
$5
Injection fee
1.25%
Digital Asset withdrawal
$15
Inactivity fee
$100
Card replacement
$25
Fiat withdrawal
0.50%+bank fee
Inject $10,000+Spend $20,000+

Roadmap

MVP

Basic Financial ControlsCollateral Backed SpendingRunning Balance Statements

Near-Term

Advanced Account ControlPlatform & APICard EvolutionRisk Engine

Next Phase

B2B / SME PortalAsset ExpansionB2B / SME EnablementZK Research

Future

Local Bank PayoutsCrowdfunding & YieldSegregated Liquidity PoolsUser Experience Layer

FAQ

Rize is built for real spending. Not just borrowing — you get a card, clear terms, and full control over your funds

Stay in touch
with RIZE

Have a question or a thought?
Reach out — we're happy to connect

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