Split big buys with crypto
Buy now. Pay later. Keep your crypto
Valuable
Interest-free
For 2/3/4/6 months
Non-taxable
HODL-friendly
Keep your crypto invested
Easy access
No first payment
Up to 80% LTV
Up to 1.25 crypto per $1
Easy approval
No credit history or income required
No credit score impact
From beginning to the end
Trusted & transparent
No margin calls
Licensed
We are fully compliant with regulations
Fully on-chain
Powered by smart contracts, no one can change the terms
A smarter way to pay
Fees & Interest:
Stay invested:
Tax event:
Credit Score impact:
Transparency & Control:
Fees & Interest: No
Stay invested: Yes
Triggers taxes: No
Credit Score Impact: No
Transparency & Control: Fully on-chain & transparent
No
Yes
No
No
Fully on-chain & transparent
Fees & Interest: Yes
Stay invested: Yes
Triggers taxes: No
Credit Score Impact: Yes
Transparency & Control: Limited transparency with potential enforcement actions
Yes
Yes
No
Yes
Limited transparency with potential enforcement actions
Traditional Credit
Fees & Interest: No
Stay invested: No
Triggers taxes: Yes
Credit Score Impact: No
Transparency & Control:
Not applicable
Not applicable
No
No
Yes
No
Not applicable
up to 37% tax*
Selling Crypto
Unlock spending power — without frictions
How it works
After You Sign
01
Track it anytime
You’ll have a status page to check your outstanding balance, upcoming payments, and your crypto – at any time
02
Repay on schedule
You’ll get a link to make payments in USDT, USDC, or USD plus friendly reminders before each due date
03
If you miss a payment
No hidden fees. No late fees. No surprises. Don’t worry and take your time to make payments
04
When your balance is paid off
Once your outstanding balance reaches $0, your crypto is automatically released back to your wallet
05
Fair by design
If your outstanding balance isn’t $0 by the final due date, we only use the amount of your crypto needed to cover it — then return the rest
Get Started
Find us at checkout
in one of our partner stores
01
Apply in minutes
by submitting
a short application
a short application
02
Get approved instantly
and compare your
available offers
available offers
03
Connect your wallet
and sign the smart contract to accept terms and lock your ETH
04
Search for merchants
Name company
USE ZLATAPAY
On selected merchants
Other than paying off your outstanding balance, we do not charge any additional fees or enforce payments (our loans are interest-free)
- 2/3/4/6 months. You repay biweekly according to a pre-defined schedule with a pre-defined original loan-to-collateral value
- Sometimes we cannot provide some financing options. Our financing options are set according to market conditions and change dynamically
No effect to credit score
- Only KYC and AML
- You can receive a loan with any credit score or even without it
REPAYMENTS AND REFUNDS
- You have an option to either repay using accepted stablecoins (USDT/USDC on ERC-20) or fiat
- Payment in stablecoin is made using your primary wallet through the repayment link you receive in your email once a loan originated
- Payment in fiat can be done into our bank account
- Before each repayment date, you will receive a friendly reminder
- If missed a payment, don’t worry, just pay it later
- No late fees are applied
- Request a refund directly from a selected merchant
- Once the refund is approved, we release your crypto once we receive the funds back
- In case of partial refund, we decrement a loan’s outstanding balance by the amount of the partial refund
- Only KYC and AML
- You can receive a loan with any credit score or even without it
CRYPTO & SMART CONTRACT
- Right now, ETH only
- In the future, we will accept BTC, USDT, and USDC
- The amount of crypto is set dynamically and is offered on the approval page
- Be ready to lock a collateral valued at 80% LTV
- Your crypto will be fully released once the outstanding balance reaches 0.
- If this happens before the loan's maturity, you will receive your crypto immediately
- Your crypto is locked inside smart contract; we cannot interact with it
- The whole financing mechanism is powered by the smart contract
- Once the terms of a loan are set at origination, we cannot modify or influence them; everything is enforced by the code inside the smart contract
- All interactions with our smart contracts are made from your primary wallet, which is set inside our web application
- Therefore, in example, you cannot repay for a loan using a wallet, which was not registered in our platform
- We are legally required to enforce KYC using this mechanics
LIQUIDATION
- We do not enforce any margin calls. So, we carry the risks of your crypto losing its value
- In case a loan has an outstanding balance at maturity, the smart contract automatically liquidates the corresponding part of your crypto
- Note that this triggers tax event
- No effect to credit score
TAXES
- Typically, using our service does not create a taxable event. Your crypto is securely locked in the smart contract and remains yours. You’re not selling or exchanging it when you post it as collateral
- If a partial or full liquidation happens, your ETH is transferred to repay the loan, which may be a taxable event. Your taxable gain/loss is the collateral value at the time of liquidation minus your original purchase price (cost basis).
- Example: You earlier bought 1 ETH for $2,000 (cost basis); if 0.40 ETH is liquidated when ETH is $3,000, the amount sold is $1,200 ($3,000 × 0.40) and the basis is $800 ($2,000 × 0.40), so the taxable gain is $400 ($1,200 − $800).
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