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Merchant Banking DeFI



Cryptocurrency as Collateral | No Prepayment Penalty

Prime + Spread Interest Rate | 1-year Term | Interest-Only Payments

With over 100 years combined  consumer lending experience and hundreds of millions of dollars in consumer loans originated, we are committed to providing the highest levels of professionalism and customer service.

Loan Calculator

Enter Amount to Borrow


Pick your collateral




Bitcoin Cash

Collateral Required*


Notes About Loan-to-Value

Collateral amount based on a 50% Loan-to-Value or "50% LTV".  Applicants can select to borrow at the 15%, 25%, 35% or 50% LTV levels.  Higher LTVs correspond with higher interest rates due to our increased risk.


Please take a moment to learn more about Proformance Loans

Our customers engage with us for a number of reasons 

Need a reason to maximize your digital asset's potential with Proformance? Beyond a safe, secure and fun customer experience, here's a few reasons our borrower's use their crypto to take out a digital asset-backed loan:


We provide transparency and adhere to strict regulatory standards

Your loan agreement will come with complete and full disclosures regarding your loans terms and conditions. We sought to make an easy-to-use loan, so that there's little confusion about what happens when. Your loan will be serviced by a company, Scratch, available 24/7 with your comments or questions.

Secure Collateral

We've partnered with Coinbase to handle our storage and exchange services.  We also have accounts at Gemin, Paxos and Kraken all of which are New York State Limited Scope Trusts, a designation shared with major financial institutions worldwide.


All of our loans have

1 year terms


15%, 25%, 35% or 50% of your U.S. Dollar collateral value at the time we process the application is available. Flexible options to match your comfort level.

Variable Interest Rate

Our lowest rate is current Prime plus 4.75%*


Our rates are tied to Prime published monthly in the WSJ. Your rate may change but never by more than a change in Prime.

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®2019 Residual Token, Inc d/b/a Proformance Loans - All Rights Reserved

180 Wright Street

Newark, NJ 07114

*Disclaimer: The price of Bitcoin and other cryptocurrencies are very highly volatile. It is common for prices to increase or decrease by over 100% in a single day. Although this could mean potential huge profits, this also could mean potential huge losses. DO NOT INVEST ALL YOUR MONEY IN CRYPTOCURRENCIES and DO NOT BORROW MORE THAN YOU CAN OR EXPECT TO BE ABLE TO REPAY.  Anyone looking to invest in cryptocurrencies should consult a fully qualified independent professional financial adviser. Similarly, anyone thinking of borrowing money using they cryptoasset as collateral should consult with their financial advisor before doing so.

IMPORTANT DISCLAIMER: All content provided herein our website, hyperlinked sites, associated applications, forums, blogs, social media accounts and other platforms (“Site”) is for your general information only, procured from third party sources. We make no warranties of any kind in relation to our content, including but not limited to accuracy and updatedness. No part of the content that we provide constitutes financial advice, legal advice or any other form of advice meant for your specific reliance for any purpose. Any use or reliance on our content is solely at your own risk and discretion. You should conduct your own research, review, analyse and verify our content before relying on them. Borrowing money is a highly risky activity, please therefore consult your financial advisor before making any decision. No content on our Site is meant to be a solicitation or offer.