Aven: The End of Selling

Hello, Vegas. I'm so excited to be here today. My name is Sisun, and I lead crypto at Aven.

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We're going to make this interactive for the audience here today. A quick raise of hands if you own Bitcoin. This is an easy one, guys. We're at the largest Bitcoin conference in the world.

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Now keep your hands up if you've ever sold even a single satoshi to pay for something in the real world. There are some hands in the air, and that's exactly the problem we're here to address today.

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But first, a quick introduction of Aven. Our mission is to deliver the lowest-cost and most transparent access to capital at scale. We started from a simple question: what if a bank were run entirely by machines?

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And why does this matter? Because since the invention of the credit card in 1950, an average American has spent well over 20% in APR. In a world where innovation and automation are accelerating, finance has stood still. It's time for a change, and at Aven, we're leading the charge.

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At the end of 2021, we launched the world's first credit card backed by home equity and drove the biggest interest rate drop in credit card history. Since then, we originated over $4 billion in lines and saved consumers over $300 million in interest. We achieved this by building technology that radically drives the transaction cost down to zero and passes the savings back to consumers.

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And today, we are bringing that savings to Bitcoin. For the first time on stage, we're unveiling our new product designed specifically for long-term Bitcoin holders like ourselves, so that you don't have to sell again.

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Bitcoin is one of the greatest assets of our lifetimes. This is why we're all here today. And yet, borrowing against it remains costly, limited, and volatile. Every Bitcoiner I know, including myself, has faced the same brutal dilemma: you believe in the long-term value of the asset, but life doesn't wait. You need capital now. Until today, your options have forced you to either sell your conviction or accept punishing terms.

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And today, that changes. We're setting a new standard for Bitcoin lending, so let's get right into it.

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Let's start with the term length. The industry norm for borrowing at fixed rates against Bitcoin is a one-year term. At Aven, we have 10x the industry standard, unlocking a wide variety of use cases previously not feasible, along with the choice to make interest-only payments for up to five years. Combined together, you can take out a five-year interest-only plan, then refinance it into our standard 10-year plan and stretch your loan to 15 years.

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Now let's talk about the rates. The industry rates start at 10% APR or more. At Aven, we lowered this to start at 7.99%, with both the lowest rate and the longest-term program.

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And of course, no rehypothecation. Your Bitcoin remains in custody until you choose to close the account. It is never used for anything else. No teaser rates, just a simple low-rate plan to choose. No origination fees, free for you to access lines up to $1 million in seconds online, and no prepayment penalty.

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Your Bitcoin is securely held with our custody partner, BitGo, who is also in attendance here at Bitcoin 2026.

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Most importantly, all of these features are packaged into a beautiful credit card. We call it the Aven Bitcoin Card. With no annual fees and no change to your credit line once you open it, you get access to up to $1 million in open line with the ultimate flexibility to spend with your Bitcoin without selling it, whenever and however you choose to.

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Either swipe the gold card and earn 2% cash back on all purchases, or draw loans into our fixed-rate plans for up to 10 years with a 1% cash-out fee.

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At Aven, we believe that the hardest money ever created deserves the best financial products. And with the Aven Bitcoin Card, we're just getting started.

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As of right now, the Aven Bitcoin Card is going live and available at Aven.com/bitcoin. We're here all week, so please stop by our booth next to the Genesis Stage.