A loan-to-value ratio is the percentage of the collateral’s value taken out as a loan. For example, if you choose $30,000 as your initial credit limit and deposit $100,000 worth of bitcoin as collateral, the loan-to-value ratio of your Aven Bitcoin Visa Card is 30%, or $30,000 divided by $100,000.
We offer our lowest purchase APR to borrowers with the lowest borrowing tier or loan-to-value ratio. A lower loan-to-value ratio reduces the risk of liquidation or the sale of some or all of your collateral to repay the loan.