Access dollars without selling your BTC
Bitcoin isn't just savings technology - it's the best collateral on Earth.
General calculation: Safe LTV = 1/2 of the asset's CAGR (Compound Annual Growth Rate)
Lower LTV means less liquidation risk. Conservative borrowing lets you weather volatility without losing your Bitcoin.
Model your Bitcoin holdings, borrowing strategy, and retirement timeline with this comprehensive calculator.
Open Calculator →Compare platforms to find the best fit for your needs. Pay attention to transparency, rehypothecation policies, and jurisdictional restrictions.
Institutional-grade Bitcoin-backed loans with competitive rates.
Crypto-backed loans with multiple collateral options.
Bitcoin-backed loans with competitive interest rates.
Lightning-native platform with Bitcoin services.
The only native Bitcoin vault where you can see your Bitcoin 100% transparently.
Peer-to-peer lending marketplace with multisig escrow.
DLC-based lending protocol with some controversy.
DeFi lending protocol on Ethereum (requires wrapped BTC).
Recommended: 25% LTV or less
This gives you a 4x cushion before liquidation risk. If Bitcoin drops 75%, you're still safe.
What is rehypothecation? When lenders use your Bitcoin collateral to lend or trade it, potentially offering you lower rates in exchange.
Protocols built on Bitcoin (using DLCs or native multisig) are preferable to wrapped Bitcoin on other chains, which introduce additional trust assumptions.
If Bitcoin's price drops and your LTV exceeds the platform's threshold, your collateral will be sold. Keep LTV low to avoid this.
Centralized platforms can fail, freeze assets, or change terms. Transparent, decentralized protocols reduce but don't eliminate this risk.
DeFi protocols depend on code. Bugs or exploits can result in loss of funds. Use audited, battle-tested protocols.
Interest payments reduce your overall returns. Make sure the loan serves a clear purpose.
Bitcoin-backed loans are powerful tools for the patient, long-term holder. Used recklessly, they can lead to liquidation and loss of your stack.
Start small. Keep LTV low. Stay humble. Stack sats.