Surge Credit

Bitcoin Native Credit Line

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

iPhone

Spend dollars, keep your Bitcoin. Surge Credit is a Bitcoin-native dollar credit line. Not a loan - a revolving credit line you control. Draw what you need, repay when you want, re-borrow without reapplying. Your Bitcoin stays in verifiable Taproot vaults on the Bitcoin blockchain. Always. How it works: 1. Set up your wallet - create a self-custodial wallet in-app or connect your own. Your keys, always. 2. Choose your credit line - set your amount, pick variable or fixed rates 3. Lock your Bitcoin - deposit BTC into your Taproot vault, verified on-chain in ~30 minutes 4. Get your credit - funds arrive instantly, send USDC or spend with gift cards Why Surge Credit: Non-custodial - Surge never holds your Bitcoin or stablecoins. Zero rehypothecation - your collateral doesn’t get lent out, traded, or moved. Verifiable on-chain - inspect your Taproot vault anytime. Don’t trust, verify. Unilateral exit - repaid your line but collateral isn’t released? Take it back yourself. No permission needed. Enforced by Bitcoin. Health monitoring - live health meter tracks your collateral ratio. Notifications at every stage so you’re never caught off guard. Flexible repayment - no fixed terms, no schedules, no penalties. Repay any amount, anytime. Rates from 6.9% APR - variable rates that adjust with market demand, or lock in at 9.9% fixed. Spend your way: → Send USDC anywhere, instantly → Spend with gift cards → Bank transfers and card spending coming soon Built different: → No KYC → No token → No middlemen → Bitcoin-native collateral — no wrapping, no bridging → 12-month term, rollover anytime Surge Credit is built for Bitcoiners who refuse to compromise on custody to access liquidity. Your Bitcoin. Your terms.

Ratings & Reviews

  • 5.0
    out of 5
    5 Ratings

- Improved collateral sync after direct BTC deposits to your vault. - Fixed an interest accrual display issue. - General UI refinements and bug fixes across the

Version 1.0.6

The developer, Surge Credit, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    • Amby, Inc.
    Size
    • 63.7 MB
    Category
    • Finance
    Compatibility
    Requires iOS 15.1 or later.
    • iPhone
      Requires iOS 15.1 or later.
    • iPod touch
      Requires iOS 15.1 or later.
    • Mac
      Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    • English
    Age Rating
    4+
    Copyright
    • © 2026 Amby, Inc.
  • Developer Website
  • Privacy Policy