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Do I need to trust Juniper with my ETH?

No, your assets remain in a self custody wallet that only you control.

How much can I borrow?

Juniper allows up to 70% Loan-To-Value (LTV). So, if you stake 10 ETH, you can borrow up to 7 ETH's worth of stablecoins. Note that the closer you get to the maximum LTV, the more likely it is that a fluctuation in the price of ETH could cause your collateral to be sold, repaying your entire stablecoin debt. See "What happens if the value of my asset declines?" for more details.

Why are Juniper interest rates so low?

With Juniper, you use the yield generated by staking Ethereum to offset the cost of borrowing stablecoins. Because Juniper credit lines are overcollateralized (meaning you have more in staked assets than you have in debt), in many cases, your Ethereum generates more yield than your debt costs to service.

Do I need to have a credit score to get credit with Juniper?

No, all you need is ETH. Reach out to us at if you have other cryptocurrency or digital assets, and we may be able to help.

Can I use Juniper to meet the credit needs of my small business?

Absolutely. Because your credit line is secured by the ETH in your wallet, no documentation about you or your business is required.

I’m not a US Citizen. Can I use Juniper?

Yes, Juniper works for everyone in the world, except in the countries listed below under "Is there anywhere I can't use Juniper".

How often do I need to make payments?

Make payments on your own schedule. Instead of setting fixed payment dates, Juniper focuses on maintaining a balance between your credit use and the value of your staked assets. See "How much can I borrow" for more details.

Are there tax implications when spending with Juniper?

Unlike spending ETH directly on your crypto debit card, a Juniper line of credit spends stablecoins that are borrowed for $1 and are worth $1 when sold.

What is a self-custody wallet and how can I get one?

Self-custody wallets, also called non-custodial wallets, are digital wallets that let you store, manage, and trade cryptocurrencies without the help of a third party. You can get a mobile, desktop, hardware or paper wallet. MetaMask, Coinbase Wallet and hardware wallets from Ledger and Trezor are popular choices.

What happens if the value of my asset declines?

A simple way to consider the ratio between spending and assets is that if you spend 20% of the value of your assets, you can withstand an 80% decline in the value of your assets before you should repay your debt or add additional collateral. Should the value of your assets decline further, your collateral will be sold to cover your debt, and your line of credit will reset to zero until you deposit more assets.

Can I withdraw my assets?

Yes, your assets are in a self custodial wallet for which you have the keys - not us.

Is there anywhere I can't use Juniper?

Juniper does not provide service to Cuba, Syria, Iran, North Korea, Russia, Crimea, and certain disputed territories within Ukraine. Consult your exchange debit card provider for further restrictions and details.

Is Juniper a bank?

Juniper is neither a bank nor a financial institution. Juniper is a software company that develops a self custodial smart wallet on Ethereum, using which a user can conveniently create and manage a line of credit on their own behalf. Juniper does not provide credit to consumers.

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