Helios Finance is building a fully on-chain Bitcoin-backed lending platform combined with a credit card, enabling long-term BTC holders to access real-world purchasing power without triggering taxable events or selling their coins. Instead of wrapping Bitcoin onto other chains, the company keeps a strict “Bitcoin-first” approach, leveraging the MIDL execution layer to provide instant loans collateralized by users’ BTC. Its flagship product, the Helios Reserve credit card, converts dormant Bitcoin into a productive financial instrument, effectively positioning the service as a bank-on-chain. Transparency is maintained through on-chain collateralization, aiming to avoid the rehypothecation issues that plagued earlier crypto lenders. Fresh capital will be directed toward scaling core infrastructure, expanding the engineering team, and accelerating the global rollout of the credit card, for which a waitlist is already open. While no revenue or user metrics were disclosed, the company sees rising institutional interest in “BitcoinFi” as a strong tailwind for product adoption.

Total raised

$1M

Funding rounds

1

Latest round

Equity

Latest activity

Mar 2026