What is Leasing on Bitlease
Leasing on Bitlease is a Lease-to-Own (LTO) model that allows you to acquire cryptocurrency through structured installment payments. Instead of purchasing crypto outright, you can lease digital assets and gradually build ownership over time through regular payments.
What Makes LTO Different
The Lease-to-Own model on Bitlease offers a unique approach to crypto acquisition:
No collateral required – Start owning crypto without putting up assets as security
Structured payment plans – Choose from multiple term lengths and payment schedules
Gradual ownership – Build equity with each payment you make
Full ownership rights – Gain complete control once the lease term is completed
How Leasing Works on Bitlease
The LTO Process
1. Choose Your Asset: Browse available cryptocurrencies from the PLAN section. The platform offers various assets, including BTC, ETH, SOL, and more.
2. Select a Plan Bitlease offers multiple pre-structured plans with different terms:
Standard Plans – 6-month terms with moderate down payments (35% down, 4.00% APR)
Short Term Plans – 4-week terms with lower entry points (30% down, 0.7% APR)
Long Term Plans – 24-month terms for extended ownership building (55% down, 40.0% APR)
Specialized Plans – Including University Fund Secure, Generational Wealth Structure, Kid's Future Secure, and Strategic Capital Deployment
Each plan displays three key metrics:
DOWN – Initial down payment percentage
APR – Annual Percentage Rate
TERM – Length of the lease period
3. Customize with Advanced Filters Use the Advanced Filters to find plans that match your preferences:
Down Payment – Adjust from 0% to 100%
Term (Months) – Select duration from 0 to 60 months
Max APR – Set your maximum acceptable rate up to 100%
4. Review Plan Categories. Plans are organized by investment strategy:
All Plans – View everything available
Low Entry – Plans with lower down payment requirements
High Yield – Plans offering higher APR returns
Long Term – Extended lease periods for sustained growth
5. Use the LTO Calculator. Plan your lease with precision using the LTO Calculator tool, which allows you to input:
Select Asset – Choose your cryptocurrency
Amount – Specify quantity to lease
Prepayment (%) – Set your down payment percentage
Payment Interval – Choose Weekly or Monthly payments
Number of Payments – Define total payment count
Two Ways to Create an LTO Position
Option 1: Start from Pre-Structured Plans
Navigate to the PLAN section in the main menu
Browse available Fixed LTO packages
Filter by Low Entry, High Yield, or Long Term categories
Click Own It on your chosen plan
Complete the quantity and payment setup
Option 2: Build Your Own with Deal Builder
Access the DEAL BUILDER in LTO Pro and select eature for complete customization:
1. Select Order Type
Market Order vs. Limit Order
Market Order – Execute immediately at the current market price
Limit Order – Set a target price; the LTO activates when reached
Key Configuration Steps:
2. Enter Position Size
Size – Enter the amount of cryptocurrency to lease
This defines how much of the selected asset (e.g., BTC) will be included in your LTO contract.
3. Select Asset
Choose the cryptocurrency from the dropdown (e.g., BTC).
The selected asset determines:
Reference price
Risk parameters
Available down payment range
Term structure
The live price appears in green beside the asset selector.
Set Reference Spot Price (Limit Activation Price)
Reference Spot Price – View the current live market price (displayed in green)
If the market reaches this price, the contract triggers automatically.
Until then, the order remains pending.
This applies only to Limit Orders.
4. Configure Down Payment
Down Payment Currency – Choose between:
LTO wallet funds
FUNDING wallet funds
USDT for payment
Initial Equity – Use the slider to set your down payment:
Minimum: 20%
Maximum: 60%
View the Total Down Payment amount in real-time
5. Configure Repayment Schedule
Payment Interval: Select WEEKLY or MONTHLY
Contract Tenor (Months): Choose from 3M, 6M, 12M, 18M, or 24M
View the calculated Effective Rate per term
Deal Summary: The Deal Builder shows a complete cost breakdown:
Principal
To Finance
Platform Fee (1.5%)
APR Fee (varies by term)
Insurance Fee (6% annually)
Total Cost
Once configured, click Review and Sign Deal to proceed.
Understanding Your LTO Position
Viewing Active Contracts
Navigate to the OWNING section to access your "My Ownership Pad" dashboard, which displays:
Total Assets Value – Combined value of all your LTO positions (shown in BTC)
Key Metrics:
EQUITY – The amount you currently own
PROGRESS – Percentage of the lease completed (0% to 100%)
YIELD – Total yield earned on your position
Contract Status:
Active Contracts count
Search functionality to find specific coins
+ OWN MORE button to create additional positions
Important Notes
Insufficient Balance Warning: If your selected wallet doesn't have enough funds, you'll see:
"Insufficient USDT balance" alert in red
"Need $X.XX more" showing the exact shortfall
Ensure you have adequate funds in your chosen payment wallet before starting an LTO
Contract Activation
Market Orders execute immediately
Limit Orders activate only when your target price is reached
Monitor your "Active Contracts" count in the OWNING section
Need Help?
If you encounter issues during account creation that this article does not resolve:
Contact Bitlease Support:
Email: support@bitlease.com
Subject: "LTO contract Issue"
Include: Description of the problem, any error messages, and steps you have already tried
Response time: Within 24 hours
For urgent security concerns:
Email: security@bitlease.com
For detailed troubleshooting and common questions, see our companion article: Troubleshooting: Common LTO & Leasing Issues