Ledn offers flexible options to help you manage and repay your loan with ease. There are three ways to repay your loan: Using your collateral, a USD ACH/Wire transfer, or your USDC balance.
Important: Ledn will never automatically debit your bank account. All wire repayments must be initiated by you from your own bank, and be in USD.
1. Repay with Collateral
You can repay your loan directly using your collateral through the Ledn platform. This method provides real time settlement once confirmed.
When choosing this option, the system will display the exact portion of BTC that will be sold to repay your USD outstanding balance. Please review these details carefully and ensure you agree with the amounts shown before entering your TOTP code, as this transaction is irreversible once confirmed.
For US residents, the Repay with collateral option is currently in the following States: Alaska, Alabama, Arizona, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nevada, New York, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia , Wisconsin, and Wyoming.
Note: This list may change from time to time, and Ledn cannot guarantee that your jurisdiction will be or remain available for any period of time.
2. ACH / Wire Transfer (USD)
You can repay your loan by sending a USD wire or ACH transfer from your bank account.
All wire payments must come from a bank account held under the same legal name as your Ledn account to comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.
Wire transfers must be sent in USD only. Payments sent in any other currency cannot be processed and will result in delays.
USD repayments can be made from U.S. bank accounts via ACH or wire transfer. For clients outside the United States, repayments must be completed via international wire transfer in USD.
For more information on eligible accounts and name matching requirements, please refer to the Help Center article:
Loan Disbursements and Repayments: Same-Name Bank Account Required
How to repay by wire transfer:
Log in to your Ledn account.
Go to your Loans page and click Repay.
Select Wire Transfer as the payment method.
You’ll receive the banking details required to complete the wire from your bank. Please ensure the transfer is sent in USD.
Once done, click Confirm Transaction only if you are making a full repayment. Do not click Confirm for partial wire repayments, as this may result in the system treating the payment as a loan closure.
After sending your wire: We recommend proactively submitting your wire receipt or confirmation to our Client Success team via the Help Center. This helps us match and apply your payment more quickly, and reduces processing delays.
Processing times may vary depending on your bank and can take up to 5 business days for funds to be received by Ledn and applied to your loan.
3. USDC Payment
You can repay your loan using your USDC balance directly from your Ledn platform.
This method provides a quick and seamless repayment experience, with funds applied almost instantly once the transaction is confirmed.
Make sure your Transaction Account has sufficient USDC balance before initiating the repayment to avoid any processing delays. How do I deposit funds into my Transaction Account?
Early repayments are penalty-free, giving you control over how and when you settle your loan.