Unleashing the Bitcoin Economy: Inside Roxom’s New Refi Campaign

Timothy Kotzman (0:07)

Welcome back to The Bitcoin Treasuries Podcast. I'm Tim Kotzman. I'm here with Borja from Roxom. How are you today, sir?

Borja Martel Seward (0:14)

Hey, Tim. I'm doing very well here in Argentina, and thank you for having us, for having me.

Timothy Kotzman (0:20)

Absolutely. For those not familiar, can you give us a little background on Roxom and everything that you guys have cooking over there?

Borja Martel Seward (0:28)

Yeah, of course. So, Roxom is the best place where a Bitcoiner can be, let's say. That's the easy thing to do. We like to say that we are here to unleash the Bitcoin economy. We believe in a future where Bitcoin is a very, very important thing. We understand Bitcoin as a power currency of the future. And essentially, all of us Bitcoiners will need financial services, right? Like at the end of the day, we like like any other person, we still access investments, we still access credit, we still access payments and so on. And somebody needs to build that. And from what we understand, nobody's doing so. So that's exactly what we do. So today, if you come to Roxom, you can invest in capital markets, you can track your portfolio in both USD terms, as most importantly in Bitcoin, because a good investment is an investment where you have more Bitcoin than before, right? And that's actually like, for example, what Bitcoin Treasuries are here to do.

You can borrow against your Bitcoin, you can do things like transparent Bitcoin yields, like generating yield through what we call the carry trade, right? So you borrow against Bitcoin at 7 on Roxom, 7.25, and then invest in Sat-Hour Stretch at 12.13, and that spread is your Bitcoin yield.

Where for the longer term cooking products, like a card where you can get of course Bitcoin cashbacks and so on, or a credit card where you use your block as a credit, right? So essentially, like, again, Bitcoin is one place you need, right? If you're a Bitcoiner, to do anything you need to do, invest, save, earn, borrow, like whatever you have to do, you can do it. And our grand finale, right? And at the end of the day is for us to be the venue where all the Bitcoin companies trade at, are listed in, and essentially, like for everybody who's in this conference, who's interested in Bitcoin Treasuries, Bitcoin Treasury companies and so on. Well, in Roxom, we have practically all of them. And for the non-US Bitcoin Treasury companies, we're moving forward to get them listed as soon as possible, Smart Web, Capital B, and all the MetaPlanet and all the rest of the companies, so that everybody in Bitcoin and everybody within the Bitcoin Treasury industry can just use one set, one layer of financial services. So that's a little bit of what we do.

Timothy Kotzman (2:54)

What are all the different ways that people can access Roxom? Are there different platforms? Like where should they go most of the time to, depending on their jurisdiction, to access Roxom as a platform?

Borja Martel Seward (3:06)

Yeah, roxom.com, super easy.

We serve most of the countries out there. So yeah, if you're a Bitcoiner, roxom.com, we're soon launching, hopefully soon our app, and you'll find us on the Apple Store and the Play Store. But for now, roxom.com, and you just start from there.

Timothy Kotzman (3:26)

And you have an announcement to make at the Bitcoin Treasuries New York City 2026 Conference. I'm excited for you to share your announcement with us.

Borja Martel Seward (3:37)

Indeed. And we're super excited about this one because this one is one we've been working on for a long time now, which is our Bitcoin refi campaign and product. So essentially, for everybody who's got an outstanding or open loan anywhere else, if you're paying more than 725 percent APR, we welcome you to come on Roxom, join Roxom. We will give you the first month back. So we will give you one month free of interest rates.

And essentially, if you come on, like the announcement is that, right? This is our Roxom ReFi, bringing your loans, your credit from any other platform. We'll give you the first month back for free at 725 percent APR.

And yeah, we'll help you out, we'll help you throughout all the process just to get to refinance your loan from wherever you're coming from. Right? And at the end of the day, we've been doing this already on the shadows with many customers, many happy customers. Most of the platforms today lend at 10 percent, 9 percent, 11 percent. At the end of the day, if you have a significant loan, right? You're saving a lot of money. Right? So that is not counting with the fact that our block is fully open-ended. You can adjust your collateral whenever you want. You can borrow more whenever you want. You can repay whenever you want. We have no monthly payments. In Roxom's block, it's a block in which if you don't pay, your LTV just increases, but you don't have to pay monthly installments. There's no concept task, an early repayment, a late payment, and so on. So if you're paying more than 725 percent APR, just come to Roxom. We'll give you the first month for free, which means that you will end up paying like six something.