Earn on your NZD,
borrow against
your crypto.
Nearly every way to earn on-chain is priced in US dollars, so a New Zealander putting savings to work ends up holding a currency position they never chose. Ora is denominated in New Zealand dollars throughout: what you deposit, what you owe and what you can borrow are all the same currency.
Sign in with an email address · No wallet to install
The more that is borrowed, the more interest flows to the people who deposited it. The rate you earn moves with it.
Put them to work.
Take them back whenever.
Deposit New Zealand dollars and earn the interest paid by the people borrowing them. Your balance grows continuously, and you can withdraw at any time.
- 01Sign in with your email address
- 02Deposit New Zealand dollars
- 03Interest accrues into your balance
Get New Zealand dollars
without selling.
Deposit your ETH or Bitcoin as collateral and borrow New Zealand dollars against it. You are not selling. The asset stays yours, and so does any movement in its price. Repay whenever you like and take the collateral back.
Borrowing against your crypto is not the same as selling it, so you keep the asset. Whether that has any bearing on your tax position depends on your own circumstances. This is not tax advice, and it is worth speaking to an accountant. If your collateral falls far enough in value, some of it can be sold to repay what you owe.
See what you could borrowSee how far
a fall would take you.
Borrowing against a volatile asset means a large enough price fall can cost you the collateral. Our stress tester takes your actual position, applies declines drawn from how ETH has really moved, and shows where liquidation would begin, before you commit to anything.
Open the stress tester| If ETH falls | Health factor |
|---|---|
| Nothing changes | 1.60 |
| A typical day's movement | 1.56 |
| Its worst fall in the last month | 1.44 |
| 25% | 1.20 |
| 40% | 0.96 |
An illustration, not your position, and not a forecast. The real thing reads your own collateral at its live price and shows the decline at which liquidation would begin.
Deposits and loans sit in a lending contract, not with us. Balances, rates and every transaction are on a public ledger you can read yourself.
Ora never takes custody of your money. Signing in creates a wallet that you control, and every deposit, withdrawal, loan and repayment is a transaction you approve. The lending mechanics are the well-proven part; what we built is the part a New Zealander can actually use.