Not all crypto-friendly lenders are created equal. Security and protection are paramount to how we operate. We treat your private data and assets with the care they deserve.
Bitmonie supports only Bitcoin as collateral — the most battle-tested digital asset. We do not engage in DeFi yield strategies and we never lend your collateral to third parties.
Loans are originated and serviced by Monierate Digital LTD, a money lender licensed to operate in Nigeria. Our operations are bound by Nigerian financial-services regulation.
Your Bitcoin is held in dedicated cold storage with multi-signature controls. Collateral does not leave custody until you repay in full or a margin call is enforced under your loan agreement.
Bitmonie is operated by Monierate Digital LTD, a money lender licensed to operate in Nigeria. We process personal data in line with the Nigeria Data Protection Act and follow the standards expected of regulated financial-service providers. Read our Privacy Policy, Risk Disclosure Statement, and Terms of Use for full detail.
Sensitive data is encrypted at rest with AES-256 and in transit with TLS 1.3. Two-factor authentication is available for your account, and required for high-risk actions like changing your collateral release address.
Strict internal access controls, full audit trail on every loan, payment, and operator action, and structured logging on security-sensitive events. Our team brings experience from leading Nigerian fintechs.
We are not in the business of monetising client data. Bitmonie does not sell your data to any third party. Personal data is processed in line with the Nigeria Data Protection Act.