KAIRO Finance
Not yet independently audited. You could lose funds. Deposits and new financing are currently closed.
Buy Bitcoin today. Pay over time.
Pay a deposit, finance the rest from decentralized USDC lenders, and unlock your Bitcoin once it's fully repaid. Rules are enforced by smart contracts — no one at KAIRO can move your collateral or lenders' USDC.
Step 1
Choose Bitcoin
Any amount, including fractions.
Step 2
Pay deposit
At least 40% in USDC.
Step 3
Secure purchase
Full BTC bought at once and pledged in a vault.
Step 4
Pay monthly
Fixed rate. Repay early anytime, no penalty.
Step 5
Unlock Bitcoin
Withdraw once every dollar is repaid.
Target terms
| Term | Borrower rate | Investor target | KAIRO | Risk reserve |
|---|---|---|---|---|
| 6 months | 9.99% | 6.00% | 2.99% | 1.00% |
| 12 months | 11.99% | 7.00% | 3.99% | 1.00% |
| 24 months | 13.99% | 8.00% | 4.49% | 1.50% |
| 36 months | 14.99% | 9.00% | 4.49% | 1.50% |
Commercial targets, not executable quotes. KAIRO and reserve shares are paid only from interest borrowers actually pay. Max initial LTV 60%, liquidation at 75% LTV.
Collateral is Circle Wrapped Bitcoin (cirBTC) on Arc — a token backed by BTC held by its issuer, not native Bitcoin. Your BTC can be liquidated if its price falls, even if every monthly payment is on time.