21Rates
21Rates is a web-based comparison platform that aggregates Bitcoin lending, custody, card, exchange, ETF, treasury, and inheritance providers, serving primarily individual Bitcoin investors and enthusiasts with transparent data, reviews, and educational tools.
- Company typePrivate
- Founded2025
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What 21Rates does
21Rates is a web-based comparison and information platform that aggregates Bitcoin financial services across eight categories: lending platforms, credit/debit card issuers, custody solutions, exchanges, ETFs, treasury companies, and inheritance services, alongside a comprehensive company directory. Founded in 2025 and based in New York, the company is built around a hub-and-portal architecture that lets users directly compare specific data points such as interest rates, minimum loan amounts, LTV ratios, card fees, and provider details — for example, surfacing side-by-side data on Arch Lending, Ledn, and Unchained for loans. The platform's core technology is a web-based data aggregation and presentation layer that supports self-serve browsing without requiring user registration for basic access.
Beyond the comparison core, 21Rates supplements its offering with an educational and tooling ecosystem: a Bitcoin Learning Center, FAQ, lending history, options education, a Risk Simulator, Calculators, a Reviews section, a Podcast, News/Expert Articles, a Conferences & Events hub, and a Bitcoin-Friendly Businesses directory. An "Earn (Sats)" feature extends the platform into reward-based user engagement. The site's footer disclaimer frames the content as educational only and not financial advice.
The company runs a product-led, content-driven go-to-market motion targeting individual Bitcoin investors and enthusiasts as its primary audience, with secondary segments including Bitcoin Treasury Companies and estate/inheritance planners. Distribution is global and self-serve through the website. The business model is affiliate/referral revenue — the platform earns fees when users click through to or sign up for listed partner financial service providers — with no direct pricing to end users and no publicly disclosed rates or contracts. As of the available data, the company is privately held with no disclosed funding, no named enterprise customers, and no disclosed revenue or headcount beyond a 1–10 employee band.
21Rates firmographics
Firmographics- Name
- 21Rates
- Website
- https://21Rates.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- 21Rates is a web-based comparison platform that aggregates Bitcoin lending, custody, card, exchange, ETF, treasury, and inheritance providers, serving primarily individual Bitcoin investors and enthusiasts with transparent data, reviews, and educational tools.
- Ownership category
- akta.pro rank
21Rates industry classification
Industry- Product category
- Cryptocurrency Information & Comparison Services
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
- akta.pro secondary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
Keywords
Where 21Rates is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Markets served
21Rates business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Affiliate/Referral Revenue: Platform likely earns referral fees when users click through to or sign up for financial services platforms listed in comparisons (lenders, custodians, card issuers, ETFs). Revenue tied to user referrals to partner financial service providers.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
21Rates product offering
Product offeringCore offering
21Rates operates a web-based comparison and education hub for Bitcoin financial services. It aggregates and compares providers across eight categories—lenders, card issuers, custodians, exchanges, ETFs, treasury companies, inheritance services, and a general company directory—displaying transparent data on interest rates, minimum loans, LTV ratios, and fees. The platform also provides educational resources including a learning center, risk simulator, calculators, reviews, podcast, and news content.
Product overview
21Rates is a comprehensive Bitcoin financial services comparison platform organized as a unified hub-and-portal architecture. The core platform aggregates and compares Bitcoin lending (Lenders), credit/debit cards (Card Issuers), custody solutions (Custodians), exchanges, ETFs, treasury companies, and inheritance services. Supporting features include a Company Directory, Risk Simulator, Calculators, Reviews, and educational resources through the Bitcoin Learning Center, Podcast, and News sections. The platform provides transparent data and independent research to help users make informed financial decisions about Bitcoin services.
Differentiator
Problem solved
Functional benefit
Products and services
- Bitcoin Lenders Comparison Comparison platform for Bitcoin lending platforms, displaying interest rates, minimum loan amounts, and loan-to-value (LTV) ratios across multiple providers.
- Bitcoin Card Issuers Comparison Comparison platform for Bitcoin credit and debit cards, showing card types, providers, and associated fees for products like Bold Virtual Visa Debit Card, Bringin, and CL Card.
- Bitcoin Custodians Comparison Comparison platform for Bitcoin custody solutions, enabling users to evaluate custodians holding Bitcoin on behalf of clients.
- Bitcoin Exchanges Comparison Comparison platform for Bitcoin and cryptocurrency exchanges, presenting trading platforms and their features side by side.
- Bitcoin ETFs Comparison Comparison platform for Bitcoin exchange-traded funds (ETFs), presenting ETF options available to investors.
- Bitcoin Treasury Companies Directory Comparison platform for publicly known companies that hold Bitcoin on their balance sheets as treasury assets, supporting corporate Bitcoin adoption research.
- Bitcoin Inheritance Services Comparison Comparison platform for Bitcoin inheritance and estate planning solutions, supporting individuals and advisors planning for intergenerational Bitcoin transfer.
- Bitcoin Company Directory Comprehensive searchable directory of Bitcoin and cryptocurrency companies across the industry.
- Bitcoin Risk Simulator Interactive tool for simulating and assessing risk in Bitcoin financial services decision-making.
- Bitcoin Financial Calculators Suite of financial calculators for Bitcoin-related calculations such as loan payments and investment scenarios.
- Bitcoin Learning Center Educational resource center covering Bitcoin basics, lending history, options education, and broader Bitcoin financial concepts.
- Earn Sats Platform Platform feature that lets users earn sats (the smallest unit of Bitcoin) through various Bitcoin financial services accessed via 21Rates.
Companies that use 21Rates
Customer profileSegments3 records
Ideal customer profiles3 records
21Rates technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
21Rates partnerships and signals
Strategic signalScale indicators1 record
Recent moves5 records
Expansion highlights4 records
21Rates competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
21Rates social profiles
Digital presence21Rates financial estimates
Financial estimateRevenue estimate
Valuation estimate
21Rates leadership team
Management profileNumber of profiles
21Rates funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
21Rates M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 21Rates
What does 21Rates do?
21Rates operates a web-based comparison and education hub for Bitcoin financial services. It aggregates and compares providers across eight categories—lenders, card issuers, custodians, exchanges, ETFs, treasury companies, inheritance services, and a general company directory—displaying transparent data on interest rates, minimum loans, LTV ratios, and fees. The platform also provides educational resources including a learning center, risk simulator, calculators, reviews, podcast, and news content.
Is 21Rates a public or private company?
21Rates is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was 21Rates founded?
21Rates was founded in 2025. It employs 1 to 10 people.
Where is 21Rates based?
21Rates is headquartered in New York, United States, in the North America region.
How does 21Rates make money?
One revenue line is on record: affiliate/Referral Revenue.
Does 21Rates have an API?
No public API is recorded for 21Rates.
What industry is 21Rates in?
21Rates's product category is Cryptocurrency Information & Comparison Services. Its primary akta.pro industry code is FSADAFAJ, Credit Marketplaces, Aggregators & Loan Routing, with a secondary code of FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching). Its NAICS code is 5223 and its SIC code is 6163.