Block Earner

About

Block Earner provides an API-enabled platform for crypto-backed AUD loans and home-deposit financing, offering custody protections, biometric withdrawals, LTV/loan-health monitoring, and ACL-regulated Australian operations.

Mission

Block Earner offers a platform that lets customers use Bitcoin as collateral for home deposit finance while maintaining exposure to Bitcoin market movements. Its integrated, API-enabled platform is designed to simplify crypto-backed lending by consolidating steps into a familiar, banking-like user experience. Product features include biometric withdrawal verification, crypto custody protections, and portfolio management tools for monitoring loan-to-value ratios and loan health. Since launching in 2021, Block Earner's Bitcoin-backed home loan has generated over AUD $400 million in mortgage demand. The company is registered with AUSTRAC and operates as a Corporate Authorised Representative of an Australian Credit Licence, supporting its focus on regulated product expansion. Block Earner plans to roll out additional products and grow across Australia and into early international markets to bridge digital asset markets and traditional finance, in a context where more than 4 million Australians hold over AUD $50 billion in crypto assets. Block Earner is a blockchain-powered fintech that provides a unified wealth-management product combining traditional financial services with blockchain and decentralised finance. Its core product, launched in September 2023, is Crypto‑Backed AUD Loans that let customers borrow Australian dollars using Bitcoin or Ethereum as collateral. Ethereum‑backed loans have comparison rates starting at 5.95% and Bitcoin‑backed loans start at 7.95%, with fixed interest over 12‑month terms and flexible repayment options. Customers can expect on‑the‑spot approval and AUD transferred to their bank within 24 hours of approval while retaining exposure to their crypto holdings. The company initially launched its web and mobile application in March 2021 and positions itself as the first ACL authorised representative crypto‑backed loan provider in Australia. Block Earner aims to unlock an estimated A$25 billion in Australian crypto wealth by providing lending solutions that make crypto assets more liquid and usable.

Quick Facts