Provider at a glance
- Category
- Crypto-Backed Loans
- Entity
- Not verified
- Official website
- milo.io
Independent rankingchecked How it works
Details
Scored 52 out of 100 under methodology 2026.10.18, from the evidence read in September 2026.
Milo
Crypto-backed loans from a Florida lender
Crypto-Backed Loans
#5 Overall
Ranked #5 of 5 crypto-backed loans in the published ranking
52
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is Milo right for you?
Right for you if these matter most
- Can you compute your total cost, at your tier, before you apply?7/10, the category best
Look elsewhere if these come first
- Who sets the price that liquidates you, how long do you really get, and can they sell without telling you?4/10 here; SALT Lending scores 6
- Which entity actually becomes your creditor, and does a register say it may lend?5/10 here; SALT Lending scores 7
Not yet tested for your country. Markets it lists: United States.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best crypto-backed loan shows where it lands for you.
What will Milo cost you?
Not priced on this basis
- Amount borrowed
- $10k
How safe is Milo?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read September 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to Milo
Compare all 4- 2Ledn23 points above · stronger on collateral title and reuse (5 against 4)75
- 3SALT Lending12 points above · stronger on margin call and forced sale (6 against 4)64
- 4Nexo1 point above · weaker on collateral title and reuse (1 against 4)53
For your setup
Find out if Milo fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Milo lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best crypto-backed loanNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Milo ranks #5
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (15.5 here) sit inside the score; availability, friction, trust record and measured data add the rest. Best in this ranking on 1 of 4.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
344+4.354.05#3/5Loading evidence…
264+3.334.06#3/5Loading evidence…
227+4.935.07#1/5Loading evidence…
185+2.885.07#3/5Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−1behind Nexo, #4
RobustnessOne point from changingacross a one-point change to each of its 4 criterion scores, the re-run scores 50–54 and ranks #4–#5
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Milo’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
If the lender fails, is it your bitcoin or theirs — and what may they do with it before then? 4 → 5 on its ladder · passes Nexo+154#5 → #4
Who sets the price that liquidates you, how long do you really get, and can they sell without telling you? 4 → 5 on its ladder · passes Nexo+154#5 → #4
Can you compute your total cost, at your tier, before you apply? 7 → 8 on its ladder · passes Nexo+154#5 → #4
Which entity actually becomes your creditor, and does a register say it may lend? 5 → 6 on its ladder · passes Nexo+153#5 → #4
Smallest climb: “If the lender fails, is it your bitcoin or theirs — and what may they do with it before then?” 4 → 5 passes Nexo, #4.
Strengths
2 from the score dataWhere it leads
Best for readers who weight
- Can you compute your total cost, at your tier, before you apply? — 7/10, the category best
Tradeoffs
2 from the score dataWhere it trails
Not for readers who put first
- Who sets the price that liquidates you, how long do you really get, and can they sell without telling you? — 4/10 against a category best of 6/10
- Which entity actually becomes your creditor, and does a register say it may lend? — 5/10 against a category best of 7/10
Record watch-outs
- That the 'no rehypothecation' promise you chose Milo for is not in any document you will be able to read before you post the coin — and that nothing anywhere tells you what you are if Milo Credit, LLC fails. Milo says it more clearly than anyone in this pool: 'Milo does not rehypothecate. Pledged crypto stays in segregated custody at Coinbase or BitGo and is never lent out, traded, or reused. When the loan is repaid, the same crypto comes back.' That sentence is on a glossary page. The homepage says 'Secure custody, insured through BitGo and Coinbase, and no rehypothecation.' The product page says 'Client asset safety, no rehypothecation'. The FAQ says 'a dedicated sub-account is created in your name with the custodian' and that this 'keeps your assets fully segregated from Milo’s corporate accounts'. Every one of those is marketing. The only contract Milo publishes — the Terms of Service, 117,409 bytes on 2026-09-29 — contains the word 'collateral' zero times, 'pledge' zero times, 'custodian' zero times, 'rehypothecation' zero times, 'security interest' zero times, 'BitGo' and 'Coinbase' zero times, and 'bankruptcy' and 'insolvency' zero times; it describes Milo's business as 'certain home equity loans or other credit products and services' and then hands you off with 'If you apply for Services, you may be required to acknowledge and agree to be bound by additional terms and conditions that specifically apply to those Services.' You sign those additional terms after you have applied, after KYC, and after Milo has your file. A second thing a borrower will resent, smaller but sharper: the loan is a 12-month balloon that Milo actively markets as extendable and rollable ('1 year, plus extensions'; 'Request a rollover'), and the price of the extension is published nowhere — you can compute your entry cost to the basis point and cannot compute your exit. And a third: the 67% LTV margin call comes with no cure period — the margin-call FAQ says the threshold for a sale 'is driven by price rather than by a countdown' — and Milo never says where the price that triggers it comes from ('The LTV is constantly monitored based on current market prices of your collateral'), never says how many confirmations a top-up needs before it counts, and never publishes the level at which the sale actually happens: the FAQ leaves it to 'the liquidation threshold disclosed in your loan documents'.
Competitive position
Where Milo leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#5 / 56.0 of 20 · best 14.0
Published criteria#3 / 511.6 of 30 · best 13.5
Friction#1 / 52.7 of 10 · constant here
Trust record#1 / 53.2 of 8 · constant here
Measured data#1 / 58.3 of 18 · constant here
Where Milo leads
- Can you compute your total cost, at your tier, before you apply?#1 / 5
Where it trailsNo criterion in the bottom third of its pool.
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Nexo#4 of 5 · score 53 · 1.0 point ahead
Milo leads on
- If the lender fails, is it your bitcoin or theirs — and what may they do with it before then?4 vs 1
- Who sets the price that liquidates you, how long do you really get, and can they sell without telling you?4 vs 1
- Can you compute your total cost, at your tier, before you apply?7 vs 3
Nexo leads onNo scored criterion
Largest single reason Nexo is ahead: availability (+20.8 display points).Scenario cost: Nexo has no verified pricing for this scenario.
SALT Lending#3 of 5 · score 64 · 12.0 points ahead
Milo leads on
- If the lender fails, is it your bitcoin or theirs — and what may they do with it before then?4 vs 1
- Can you compute your total cost, at your tier, before you apply?7 vs 5
SALT Lending leads on
- Who sets the price that liquidates you, how long do you really get, and can they sell without telling you?6 vs 4
- Which entity actually becomes your creditor, and does a register say it may lend?7 vs 5
Largest single reason SALT Lending is ahead: availability (+15.6 display points).Scenario cost: SALT Lending has no verified pricing for this scenario.
Ledn#2 of 5 · score 75 · 23.0 points ahead
Milo leads onNo scored criterion
Ledn leads on
- If the lender fails, is it your bitcoin or theirs — and what may they do with it before then?5 vs 4
Largest single reason Ledn is ahead: availability (+20.8 display points).Scenario cost: Ledn has no verified pricing for this scenario.
Against the leader
78 vs 52 · gap 26.0Why Figure ranks above Milo
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 26.0 to within rounding.
DimensionThisFigureGap share
Availability · 23% weight6.014.0−20.8, worse
Published criteria · 35% weight11.613.5−4.9, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight · constant here8.38.3same
Published criterionThisFigurePoints
If the lender fails, is it your bitcoin or theirs — and what may they do with it before then? · w3445−1.09, worse
Who sets the price that liquidates you, how long do you really get, and can they sell without telling you? · w2646−1.66, worse
Can you compute your total cost, at your tier, before you apply? · w2275+1.41, better
Which entity actually becomes your creditor, and does a register say it may lend? · w1857−1.15, worse
Net5278−26.0
Your scenario
Milo is not priced for this scenario
Interest on what you borrow at the published rate. Variable rates move; excludes origination and liquidation penalties. Change an input and every figure recomputes from the published rate; the published rank does not move.
interest/yr · default scenario — set your own
Amount borrowed · your input$10k
Rate read from the provider’s published pricing ↗ on 29 September 2026.
interest/yrCost is stated as interest/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 5 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
5 of 5 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 29 September 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessOne point from changingrank #4 to #5 across one-point re-runs
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 29 September 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
If the lender fails, is it your bitcoin or theirs — and what may they do with it before then?strength 4 · weight 34Report an error—29 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Who sets the price that liquidates you, how long do you really get, and can they sell without telling you?strength 4 · weight 26Report an error—29 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Can you compute your total cost, at your tier, before you apply?strength 7 · weight 22Report an error—29 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Which entity actually becomes your creditor, and does a register say it may lend?strength 5 · weight 18Report an error—29 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Oracle failure (Milo 4/10): a wrong price or outcome liquidates or settles a position.Scored by Who sets the price that liquidates you, how long do you really get, and can they sell without telling you? · 26%
- Insolvency failure (Milo 4/10): the firm or issuer that owes you cannot pay.Scored by If the lender fails, is it your bitcoin or theirs — and what may they do with it before then? · 34%
- Regulatory failure (Milo 5/10): no licence where you are, or a forced market exit.Scored by Which entity actually becomes your creditor, and does a register say it may lend? · 18%
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Execution failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Can you compute your total cost, at your tier, before you apply? (22%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- Rate card, verbatim from https://
www .milo .io /crypto-loan / (HTTP 200, 188,614 bytes, loaded anonymously 29 September 2026): comparison row "Interest rates 8.75% (10.75% APR)"; terms block "Interest rate As low as 8.75%*", "Collateral Pledge 2x loan amount", "Loan term 1 year, plus extensions", "Loan amount Starting at $5,000", "Margin call 67% LTV". Calculator, two products: "$0 Monthly Payment Interest Rate 8.950%" and "$1,094 Monthly Payment Interest Rate 8.750%", each "Collateral Required 3.624 BTC" at "Crypto Ratio 2:1", "based on the price of BTC being $82,778" on the day of the fetch. Footnotes: "Interest rates displayed above and are subject to change without notice and are only indicative." and "Interest rates shown exclude a 2% origination fee. APR starts at 10.75%." From https:// www .milo .io /faq / (same date): "Minimum loan amounts vary by state, starting at $5,000.", "The maximum loan amount is $1.5 million.", and a late fee "equal to the greater of 5% of the past due payment or $15" after 10 days. No extension, rollover, custody or liquidation fee is priced on either page. Rates and fees are unchanged from 19 August 2026; only the BTC reference price in the calculator moved.Milo — official page at www.milo.io ↗ · 29 September 2026 - Prices published in
- USDMilo — official page at www.milo.io ↗ · 29 September 2026
- Licences held
- Not published
- Compliance level
- partial
- Regulatory note
- NO GOVERNING DOCUMENT WAS READ BECAUSE MILO PUBLISHES NONE, AND THE ARCH PRECEDENT IN THE SPEC BINDS: every ownership, segregation and no-reuse claim Milo makes lives on a marketing, FAQ or glossary page, and the spec's 3-4 band names 'the only segregation claim is on a marketing page' as a literal trigger. (a) TITLE: not stated in any document.
- Supported chains
- Not published
- Markets served
- United States
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- Not published
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Milo: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
8 methodology entries
- 29 September 2026Current verified snapshot · methodology 2026.10.18Score 52, #5 of 5. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
- 16 September 2026
2026.09.15Dimension scores carry tenths, and eleven more categories are re-read from primary sources · platform-wide- changed Dimension scores resolve to tenths of a point (O-04b), and weightedTotal is rounded to six decimal places before the order is read. 518 published scores move across 107 categories that were not re-read; none of them moves by more than 4 points, and most move by 1.
- fixed 66 published scores change in the eleven re-read categories, against a verbatim source each. The largest moves are Reflexer RAI (−16), Beefy and Unrekt (−11), Aztec (−10) and Golem (+9) — all of them rows whose sources had moved since their last read.
- changed Published order moves in 38 of 119 categories and three #1s change: smart_contract_audits (Zellic → Certora) and travel_rule_compliance (Sumsub Travel Rule → CodeVASP) on the finer resolution, kyc_compliance (Veriff → Sumsub) on the re-read.
- added availabilitySource (O-04g): for a reader who states a country, a row whose availability in that country rests on a region tag its record gives no source for sorts below every sourced row. It is inert in every order published here, which states no country.
Methodology 2026.10.18, the same published run every visitor sees · receipt crypto_backed_loans:milo:2026.10.18:f177a3b32ad7
Are you Milo? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.