Surge Credit

Amby, Inc.

About this app

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.

What’s new

Whats new!
- Refreshed onboarding UI with updated visuals and icons
- UI improvements across the app
- Borrow requests, raise a request, lenders can fulfill it