HOW IT WORKS
01
Park Your Crypto:
Deposit your crypto as collateral at a secure, low Loan-to-Value (LTV) ratio.
02
Choose Discounted Store Credit:
Browse store credit offers from top brands, from gaming to groceries
03
Pay with 0% APR:
Use your credit limit to purchase store credit — interest-free.
04
Flexible Repayment:
Repay over time—your crypto remains yours and can keep accruing value.
Featured Store Credit
Shop from your favorite brands with just a few clicks. Unlock more spending power without selling your crypto.
GET STORE CREDIT
WHY CHOOSE RYPE?
0% APR, No Hidden Fees:
You never pay interest—just repay the face value of your store credit.
Retain Crypto Upside:
Keep holding your crypto while you spend—no need to sell.
Instant Approval:
No traditional credit checks; your crypto is your collateral.
Secure & Transparent:
We partner with trusted custody solutions to protect your assets.
“
RYPE let me buy Roblox credits without tapping into my savings. I’m still holding my ETH and it’s grown in value—awesome service!
– Alex, Gamer & Crypto Enthusiast
“
Zero interest is a game-changer. I got holiday gifts covered with Amazon store credits and didn’t lose out on my Bitcoin’s growth.
– Jamie, Early Bitcoin Investor
WHAT OUR USERS SAY
Ready to RYPE the Benefits?
Join us and start leveraging your crypto for everyday
purchases—without selling and without interest.
Security & Additional Info
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Collateral Security: All collateral is secured by smart contracts on the Base Ethereum network, designed to protect your locked assets.
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Compliance: We do not perform credit checks, but we follow applicable KYC and AML procedures where required.
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Future Assets: We intend to expand to BTC and SOL collateral options soon.
No. Purchases made with Rype are non-refundable, as they often involve one-time use gift cards or services that can’t be reversed once delivered.
No. Once you agree to the terms at checkout, you cannot pause, suspend, or skip payments. All installments follow the monthly schedule you selected.
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If your installment isn’t paid on the due date, you have a 5-day grace period to make the payment.
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If payment isn’t received by Day +5, a portion of your collateral will be liquidated to cover the missed amount.
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Only the necessary amount of collateral is sold. The rest remains untouched.
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Yes, you’ll receive:
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Email notifications before and on your due date.
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A final notice before liquidation if the payment remains unpaid.
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No. Only the amount needed to settle your balance is liquidated. Your remaining collateral stays locked and continues to secure future installments (if any remain).
Missed Payments & Liquidation
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You choose a 2-, 3-, or 4-month plan at checkout.
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Your first payment is due 30 days after purchase.
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Each subsequent payment is due monthly, on the same date as the first payment or as close as possible.
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Email reminders are sent before each due date.
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Yes. If you wish to clear your balance ahead of schedule, you can do so by making a manual payment. Once your full balance is paid, all remaining collateral is released to your wallet.
Your collateral is released within 24 hours after:
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Your final installment is successfully processed, or
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You fully pay off your remaining balance early.
The funds will return directly to your connected wallet.
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If the value of your crypto collateral drops and the LTV hits 50% (the liquidation threshold), a portion of your collateral may be automatically liquidated to cover your balance.
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Any remaining collateral after liquidation is returned to your wallet in the original asset type.
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Payments & Collateral
Rype is a platform that lets you split your purchase into 2, 3, or 4 monthly payments—with 0% interest—by locking your crypto as collateral. Your first installment is due 30 days after purchase, giving you flexibility to manage cash flow and remain invested in crypto while getting what you want today.
Currently, Ethereum (ETH) is accepted as collateral. We plan to expand to other assets like Bitcoin (BTC) and Solana (SOL) in the near future.
Store Credit matches the value of your shopping cart. For example, a $200 cart gives you 200 Store Credits. Once approved, you can use your Store Credit at checkout to split your payment — interest-free.
Store credits can currently only be used with selected US-based merchants.
You'll receive a code after your purchase. Enter this code at the checkout page of the brand’s website or app to apply your Store Credit toward your purchase.
Our decision process is fully automated.
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You must have sufficient crypto assets (currently ETH) to lock as collateral.
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The required collateral is based on your chosen purchase amount and our Loan-to-Value (LTV) criteria.
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No credit checks (soft or hard) are performed.
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LTV stands for Loan-to-Value ratio.
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A 50% LTV means if you want to spend $100 with Rype, you need to lock $200 worth of crypto as collateral.
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This ratio helps protect against market volatility and ensures there’s enough collateral to cover your balance if needed.
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Rype runs on the Base Ethereum network, which is fast, cost-effective, and fully compatible with your existing Ethereum wallet.
There is no interest charged on any Rype plan—installments are interest-free.
No. What you see is exactly what you pay—no hidden or extra fees.
No. We do not run soft or hard credit checks, so there is no impact on your credit score.
Your maximum Shopping Credit depends on the total value of your ETH collateral. The higher the collateral, the larger your potential credit line—up to the platform’s LTV limit. (Exact caps may vary based on market conditions.)
Getting Started
Frequently Asked Questions
Refunds & Plan Changes
Need more help or have questions not covered here?
Reach out to our support team at contact@therype.com, and we’ll be happy to assist.