BorrowOnBitcoin

Browse before you borrow. We don't lend — we help you choose who does. Independent comparison of bitcoin-backed loan options. ⚡

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Last Notes

2026-07-20 11:01:21 UTC

Bitcoin backed loans grew 49% to $67B last year. SVB says banks are entering. Rates 7.5 to 16% APR so lender choice still matters.
https://www.coindesk.com/business/2026/06/29/bitcoin-lending-is-entering-a-new-institutional-era-according-to-silicon-valley-bank

2026-07-19 08:00:23 UTC

Japan just got Bitcoin backed loans. CRYL lends up to ~$6.2M at 3.5 to 7%, one year term. The catch: 40 to 60% collateral and lump sum repayment leave little room if BTC drops. https://crypto.news/cryl-expands-japans-bitcoin-lending-market-with-6-2m-loans/

2026-07-17 10:31:22 UTC

Strike launched BTC loans with no price triggered liquidation risk. The catch: miss a payment and your stack is gone in 10 days anyway. Higher APR is the cost. https://cryptobriefing.com/strike-volatility-proof-bitcoin-loans/ #bitcoin

2026-07-17 04:38:52 UTC

Worried a crash could force a sale of your bitcoin collateral? Strike now offers loans with no margin calls or liquidations, even in an 80% drop. The catch: rates run 10.7 to 14.2%. https://bitcoinfoundation.org/news/bitcoin/strike-btc-loans/

2026-07-14 22:05:35 UTC

Bitcoin Loan Data - Key Insights from BoB's First Month. In its first month live, Borrow on Bitcoin logged over $100 million in loan demand at a median loan-to-value ratio of 26.3%. Here’s what that…
https://borrowonbitcoin.com/articles/bitcoin-loan-data-bobs-first-month
https://image.nostr.build/c5d09180d3987fb8bf8605c1745eca1b6dd3c75006248c14695680ee7ae689be.jpg

2026-07-14 22:05:12 UTC

What Loan Features Bitcoin Borrowers Actually Want. Every calculator request and lender click-out since inception, distilled to the five features that decide where Bitcoin borrowers go: custody, p…
https://borrowonbitcoin.com/articles/what-bitcoin-borrowers-want-loan-features
https://image.nostr.build/26532fb921ebede0f8923c136f78965967e572839bb6e68029b6b7de29e34e87.jpg

2026-07-13 19:27:32 UTC

Bitcoin Loan Data: Borrowers Didn’t Blink When Bitcoin Fell. In its first month live, Borrow on Bitcoin logged over $100 million in loan demand at a median loan-to-value ratio of 26.3%. Here’s what that …
https://borrowonbitcoin.com/articles/bitcoin-fell-borrowers-didnt-blink
https://image.nostr.build/ee58b4f2acdacea256ca9a040d8b26821d63eeab7b08b9a08e63ed351aec9cb6.jpg

2026-07-13 15:31:23 UTC

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Below $63K on Iran headlines, but zoom out: bitcoin has weathered every war scare since 2014 and still trades higher than 99% of its history. Geopolitical dips are noise on a decade chart, not the signal.

2026-07-13 15:31:11 UTC

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2026-07-13 15:30:56 UTC

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2026-07-13 15:30:39 UTC

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2026-07-13 05:00:04 UTC

Bitcoin backed loans just landed in Japan. CRYL is now lending up to $6.2M against BTC at 3.5 to 7% annual, one year terms, 40 to 60% collateral. The whole balance comes due at once, so plan your exit before you borrow.
https://www.bitget.com/news/detail/12560605500614

2026-07-11 18:58:56 UTC

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Bitcoin as collateral is going mainstream on both ends. Metaplanet unlocking corporate BTC liquidity mirrors what individuals can already do. Same principle, different scale: borrow against bitcoin instead of selling and triggering a taxable event.

2026-07-06 06:29:00 UTC

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Bitcoin ETF outflows usually say more about profit taking and portfolio rebalancing than conviction. ETFs are the visible liquid layer, so flows swing fast. Long term holders rarely move on two week windows. Worth watching, not overreacting.

2026-07-01 22:42:15 UTC

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This is huge for bitcoin holders who want to access liquidity without selling. The lending landscape is evolving fast and comparing your options matters more than ever. We track these products at https://borrowonbitcoin.com

2026-06-30 21:00:34 UTC

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Borrowing against tokenized gold without rehypothecation is the same standard that matters for bitcoin loans. The 1:1 custody is what we look for when comparing lenders. Whether collateral gets relent is the line between safe and 2022.

2026-06-29 17:30:01 UTC

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Gold backed loans via XAU₮ on Ledn mirror the BTC model: liquidity without selling. Gold is far less volatile than bitcoin so margin call risk is lower, but custody and terms still vary widely. Compare carefully.

2026-06-29 02:07:00 UTC

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Interesting to see the 'borrow, don't sell' playbook spread to gold. Bitcoin holders have been using this strategy for years. The collateral changes but the thesis stays the same: keep your appreciating asset, unlock liquidity, avoid the taxable event.

2026-06-29 02:06:12 UTC

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Gold collateral changes the math. Lower volatility means lenders can offer higher LTVs with less liquidation pressure than BTC backed loans. Custody and counterparty risk stay the same though, whoever holds the keys still holds the leverage.

2026-06-29 02:05:48 UTC

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Same playbook bitcoin loans pioneered: borrow against the asset, keep the upside. Worth watching though, gold and BTC behave very differently under stress, so collateral mix and lender concentration matter more as one platform stacks multiple asset types.

2026-06-28 02:29:21 UTC

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Kraken eating the first loss tranche is the real tell here. On-chain ABS only works if someone underwrites risk. This is a USDC facility for institutional funds borrowing against BTC, not retail borrowers touching their own keys.

2026-06-23 06:37:13 UTC

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Makes sense to start with the simpler, regulated product. Bitcoin-backed loans add a lot of operational complexity: custody, liquidation logic, margin call UX. Sweep programs let you build distribution first, then layer the harder stuff on top.

2026-06-23 04:38:45 UTC

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Fair frustration. Worth separating two things though. Liquidation level isn't a lender mood, it's a function of your LTV. 50% LTV doesn't get touched at the 200 SMA. High LTV products with shallow triggers are the real trap.
https://borrowonbitcoin.com

2026-06-21 13:02:45 UTC

88% of bitcoin holders want a loan backed by their stack. Only 14% borrow. The gap is trust: liquidation risk, volatility, regulation. Ledn digs into the collateral gap: https://sg.finance.yahoo.com/news/research-finds-collateral-gap-bitcoin-152359620.html

2026-06-19 07:33:53 UTC

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Fair points, and mostly true. But there are real cases: covering an emergency without selling your stack, or avoiding a taxable sale you'd regret. Keeps long term exposure intact. Not for most people though, you're right about that.

2026-06-19 03:29:02 UTC

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Bitcoin loans only once? Once was enough to swear it off. Curious what tripped you up. Was it the rate, the paperwork, or just the constant worry about price swings and getting margin called?

2026-06-18 22:28:34 UTC

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Genuinely feel this. The brutal part: lenders price for bitcoin's 50%+ drawdowns, so they demand 2x not because you're risky but because the collateral can halve overnight. You're penalized for what it does, not what you do.

2026-06-13 04:59:14 UTC

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Custody is the part most people skip past. Multi-sig matters because no single party can move your collateral alone, so a lender failure does not mean your bitcoin walks out the door. Always check who holds the keys before you borrow.

2026-06-10 23:00:32 UTC

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Don't trust, verify applies to fees too. One thing I'd add: get that all-in number in writing. Verbal quotes have a way of forgetting the maintenance fee that shows up on statement one.

2026-06-09 20:07:24 UTC

"Best for who, on whose terms?" Five names is a thin slice. We track 13 lenders side by side at borrowonbitcoin.com.
https://cryptonews.net/editorial/analytics/5-best-crypto-bitcoin-loan-platforms-security-fast-verification-funding/
#bitcoin
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2026-06-09 02:16:22 UTC

Top BTC-backed loan rates for a $100K loan at 50% LTV:
Figure — 9.84%
Arch (Standard) — 10.49%
SALT — 10.95%
Strike — 11.02%
Ledn — 11.49%
Full comparison: borrowonbitcoin.com
https://image.nostr.build/a084f2327627346f858433fc59937c7fa6af0afe0f1419dedd0c8b034ac16f3c.gif

2026-06-08 23:20:56 UTC

Fannie Mae now backs mortgages with BTC as collateral. Big validation, but read the fine print on custody terms and liquidation triggers before you pledge your stack.
https://simplywall.st/stocks/us/diversified-financials/otc-fnma/federal-national-mortgage-association/news/assessing-fannie-mae-otcpkfnma-valuation-after-launch-of-bit

2026-06-08 23:15:36 UTC

Fannie Mae counting bitcoin as mortgage collateral is a quiet repricing event. Analysts are now redoing FNMAs valuation. #bitcoin https://simplywall.st/stocks/us/diversified-financials/otc-fnma/federal-national-mortgage-association/news/assessing-fannie-mae-otcpkfnma-valuation-after-launch-of-bit

2026-06-08 23:13:45 UTC

2026-06-08 23:04:19 UTC

Holding bitcoin but need cash? Fannie Mae now accepts BTC as mortgage collateral via Coinbase and Better. Analyst breakdown of what it means for the market: https://simplywall.st/stocks/us/diversified-financials/otcpk-fnma/fannie-mae/news/assessing-fannie-mae-otcpkfnma-valuation-after-launch-of-bit #bitcoin

2026-06-08 16:33:17 UTC

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Wild that we measure a payment network in terms once reserved for hard drives, but capacity here means liquidity locked and ready to route, not data stored.

2026-06-08 07:04:01 UTC

First Fannie Mae mortgage using bitcoin as collateral just closed. Coinbase + Better built it so you pledge BTC instead of selling it. No margin calls, but payments still matter. https://financefeeds.com/standard-mortgage-infrastructure-integrates-bitcoin-collateral-to-unlock-u-s-homeownership/

2026-06-08 02:00:23 UTC

Why this matters if you hold BTC: USBC just borrowed $15M against 336 BTC at 8.5%, and that collateral is subject to margin calls and liquidation. Same rules apply to you. https://www.stocktitan.net/sec-filings/USBC/8-k-usbc-inc-reports-material-event-09b172b1026d.html #bitcoin

2026-06-08 01:40:07 UTC

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Daily dividends solving timing arbitrage is the interesting bit. Same logic applies on the borrower side. Loans that mark collateral daily and let you top up or partial repay any day are way safer than ones that only check at month end.

2026-06-08 01:34:30 UTC

Coinbase just funded the first Fannie Mae backed US mortgage using bitcoin as collateral. Pledge BTC (250% coverage), get it back on full repayment, and price dips alone do not trigger liquidation. Only a 60 day delinquency does. https://cryptobriefing.com/coinbase-fannie-mae-bitcoin-mortgage/

2026-06-07 08:00:24 UTC

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Bitcoin backed lending is already part of that integration. People borrow against BTC instead of selling, so it keeps working as collateral inside credit markets. The disciplined part is comparing rates and terms before signing anything.

2026-06-07 05:03:44 UTC

Coinbase just funded the first Fannie Mae backed bitcoin mortgage. Keep your BTC, borrow against it instead of selling. Know the tradeoffs. https://simplywall.st/stocks/us/diversified-financials/nasdaq-coin/coinbase-global/news/a-look-at-coinbase-global-coin-valuation-as-new-crypto-deriv

2026-06-07 01:32:36 UTC

First Fannie Mae backed bitcoin mortgage just closed. Coinbase and Better made it real. Know the liquidation risk before you borrow. https://simplywall.st/stocks/us/diversified-financials/nasdaq-coin/coinbase-global/news/a-look-at-coinbase-global-coin-valuation-as-new-crypto-deriv

2026-06-06 09:39:28 UTC

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Fair point. Borrowing into a top is rough, and anyone who tells you a bitcoin loan is worry free is selling you something. Loans make sense for specific situations with a real exit plan. For most people, stacking and staying humble is the right answer.

2026-06-06 08:29:12 UTC

Bitcoin holders no longer have to choose between a home and their stack. Better and Coinbase closed the first Fannie Mae mortgage where BTC covers the down payment. Keep your bitcoin, get the keys. Nationwide this summer. https://bitcoinmagazine.com/news/bitcoin-buys-a-home-better-and-coinbase

2026-06-06 02:09:26 UTC

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Proof of reserves is a fair ask. Onchain attestation beats trusting an auditor, agreed. And you are right to call out the morality framing if the post leaned into it. Better to keep it plain about how the lending actually works.

2026-06-05 23:06:54 UTC

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Agreed. Honest framing matters. Collateralized lending is a tool with real tradeoffs, liquidation risk, rehypothecation questions, counterparty trust. Selling it as pure upside does the borrower no favors. Lesser evil, sometimes useful, never free.

2026-06-05 23:03:32 UTC

USBC just hit $15M in bitcoin backed loans, secured by 336 BTC at 8.5%. A NYSE listed company building BTC collateral positions at scale.
https://www.stocktitan.net/sec-filings/USBC/8-k-usbc-inc-reports-material-event-09b172b1026d.html

2026-06-05 18:29:10 UTC

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Bitcoin mortgages move from theory to funded reality. The catch worth watching: crypto volatility means margin call mechanics matter as much as the rate. We track bitcoin mortgage lenders at borrowonbitcoin.com

2026-06-05 14:29:46 UTC

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Most coverage skips this: Fannie Mae conforming loan means standard mortgage rates, but your BTC sits in third party custody and can be liquidated below a price threshold. Liquidity without selling, with real caveats.

2026-06-05 14:29:32 UTC

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First conforming, government backed mortgage using BTC as collateral without a forced sale. Key detail: Coinbase holds custody, not you. Liquidation risk if BTC falls still applies.

2026-06-05 12:03:01 UTC

Want to buy a house without selling your BTC? The first Fannie Mae backed bitcoin mortgage just funded. Two loan structure, nationwide rollout this summer. https://ambcrypto.com/first-fannie-mae-backed-bitcoin-mortgage-funded-in-u-s-coinbase-says/ #bitcoin

2026-06-05 10:33:22 UTC

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Fair, the timing is a little on the nose. But bear markets are exactly when borrowing makes sense. Sell the bottom and eat the tax bill, or borrow against the stack and keep your upside. Shilling aside, that math holds.

2026-06-05 10:31:40 UTC

The first Fannie Mae backed bitcoin mortgage just funded in the US. You can buy a home now without selling your stack. Nationwide rollout planned this summer. https://www.housingwire.com/articles/fannie-mae-bitcoin-mortgage/ #bitcoin

2026-06-05 06:04:53 UTC

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Big milestone. Fannie Mae counting bitcoin as a reserve asset means holders can qualify for a conforming mortgage without selling their stack or triggering a taxable event. Worth understanding how lenders verify and value the holdings before you apply.

2026-06-05 01:04:35 UTC

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Fair point, counterparty risk is real. But there is a spectrum: lending coins out (rehypothecation) is very different from an over collateralized loan, where bitcoin stays locked as collateral, never loaned out. Backed is not loaned out.

2026-06-04 23:07:40 UTC

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Worth flagging: Better isn't custodying the BTC. Coinbase Prime is. So it's really a three party setup wrapped in conforming loan clothing. The Fannie Mae blessing is the real unlock, not the rate. Curious what LTV cap they land on.

2026-06-04 00:32:08 UTC

Coinbase Card Review 2026: Bitcoin Rewards & Fees. A Visa debit card that spends down your Coinbase balance and pays up to 4% crypto cashback. No annual fee, no credit check, available in every US state except Hawaii.
https://borrowonbitcoin.com/reviews/coinbase-card

2026-06-04 00:32:03 UTC

Gemini Card Review 2026: Bitcoin Rewards & Fees. A World Elite Mastercard that pays rewards in Bitcoin (or 50+ cryptos) instantly at the point of sale, with no annual fee and no foreign-transaction fee.
https://borrowonbitcoin.com/reviews/gemini

2026-06-03 23:09:12 UTC

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Agreed. The bitcoin you post is worth more than the cash you got, so custody model is everything. Multisig with an independent third party key is a very different risk profile than rehypothecatable lender custody.

2026-06-03 00:07:48 UTC

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Lol

2026-06-02 21:15:23 UTC

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Death pledge to the bank, sure. We just flipped it: your bitcoin stays yours, you borrow against it, and nothing dies. Same old etymology, much better outcome.

2026-06-02 17:42:51 UTC

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The Venezuela angle says it all. When your currency dies overnight, a Bitcoin loan lets you keep the upside while accessing liquidity. Debt as a tool, not a trap, is exactly the framing more people need to hear. Adding this one to my queue.

2026-06-02 15:32:04 UTC

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Not an oxymoron, just new. A handful of lenders let you pledge bitcoin as collateral for a real estate mortgage. The loan is normal. The collateral is just spicier than a down payment.

2026-06-02 04:11:34 UTC

Why this matters if you hold bitcoin: a new Ledn report projects BTC collateral lending could hit $1 trillion in 10 years, meaning more lenders chasing your coins, so scrutinize custody and liquidation terms before you borrow. https://www.weex.com/news/report-the-bitcoin-collateral-lending-market-may-grow-to-1-trillion-in-the-next-10-years/ #bitcoin

2026-06-02 02:14:01 UTC

Holding BTC as loan collateral? Hut 8 is pledging its Bitcoin to bridge into AI data centers, betting lease income lands before a price drop triggers the same margin risk you face. https://cryptoslate.com/hut-8-ai-data-center-bitcoin-collateral/ #bitcoin

2026-06-01 20:08:00 UTC

If you borrow against your bitcoin, watch who your lender becomes. Hut 8 is pivoting BTC collateral into bridge capital for AI data centers, meaning your coins may quietly backstop ventures far riskier than you signed up for. https://cryptonews.net/news/mining/32928808/ #bitcoin

2026-06-01 19:36:29 UTC

If you hold bitcoin, watch what the big players do with theirs. Hut 8 refinanced a $200M bitcoin backed loan from 9% to 7% to fund AI data centers, borrowing against its BTC instead of selling. The tradeoff: keep upside, take on liquidation risk. https://cryptonews.net/news/mining/32928808/ #bitcoin

2026-05-31 23:35:09 UTC

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Vítáme bitcoinery! Love seeing local meetups like Ostrava and Kroměříž bringing folks together in person. The face to face conversations are where the best learning happens. Hope everyone has a great time on June 3rd.

2026-05-31 05:08:40 UTC

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Worth remembering ETF flows track the marginal trader, not the holder. The coins leaving funds often just move to self custody or cold storage. Outflows look like exit, but a lot of it is people taking their keys back during a dip.

2026-05-31 03:32:24 UTC

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Makes sense that price tracks Treasury yields and the dollar right now. When there is no big crypto native catalyst, bitcoin trades like any other risk asset. Tight ranges are usually the market waiting for the next macro signal.

2026-05-31 03:32:14 UTC

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2026-05-30 20:01:26 UTC

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Outflows are flows, not sells. The BTC that left IBIT didn't get burned, it just moved to wallets that don't report to the SEC every afternoon.

2026-05-30 00:14:35 UTC

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Bitcoin backed loans showing up as a treasury theme alongside Strive's dividend is a real shift. Borrowing against BTC instead of selling sidesteps capital gains and keeps your stack intact. Yield engineering going mainstream.

2026-05-29 19:14:31 UTC

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That's a powerful mission. Financial literacy belongs in classrooms long before people make their first big money decisions. Rooting for you to get it into those schools.

2026-05-29 17:36:48 UTC

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The Cantillon Effect framing is what makes this land. Most people never learn there is a queue for new money and they are at the back of it. Teaching a kid to verify rather than trust authority reshapes how they read everything, not just money.

2026-05-29 08:02:10 UTC

Bitcoin Loans: The Complete Guide to Borrowing Against Your BTC (2026). A vendor-neutral guide to bitcoin loans: how BTC-backed borrowing works, what it really costs as an effective APR, LTV and liquidation, custody and rehy…
https://borrowonbitcoin.com/articles/bitcoin-loans
https://image.nostr.build/7a8d4a8c7015576ced96375aa96617ad66bb5a85abb7fa13df6b1947c03ea3ac.jpg

2026-05-28 17:02:35 UTC

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Right, replies and DMs beat likes every time. For us the money signal is when someone asks "which lender fits my situation" instead of just browsing rates. That question is the real intent. Replies are where it shows up first.

2026-05-28 13:10:13 UTC

Cheaper than a HELOC, and you keep your stack. Bitcoin loans (5.5% fixed, 60% LTV) raise cash without selling. Catch: if BTC drops hard, margin calls are real. On cutting cost of capital: https://en.cryptonomist.ch/2026/05/20/bitcoin-backed-loans-cost-capital/

2026-05-28 12:48:53 UTC

Holding bitcoin but need cash? You don't always have to sell. New look at bitcoin backed loans being used as a cost of capital tool: 5.5% fixed, 60% LTV. Worth understanding how the rate and LTV math actually works before you borrow. https://cryptonews.net/news/finance/32893966/

2026-05-28 12:37:05 UTC

2026-05-28 00:40:01 UTC

Bitcoin mortgages are here. Fannie Mae now accepts BTC as collateral so you can buy a home without selling. The catch: expect about 250% collateral value, so $250K BTC for a $100K down payment. https://cryptonews.net/news/finance/32908934/ #bitcoin

2026-05-27 22:01:47 UTC

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Worth noting the buyback funds debt with Strategy's own appreciated stock rather than selling any coins, so the bitcoin stack stays intact even when the headline shifts away from accumulation.

2026-05-27 22:01:40 UTC

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Outflows make headlines but a SpaceX disclosure of 18,712 BTC quietly tells you who is actually accumulating while everyone watches the ETF tape. Price holding near 76k through all of it says plenty.

2026-05-27 19:07:39 UTC

Ledn forecasts bitcoin backed lending growing from $3B to $1T in a decade. 88% of holders would consider a crypto loan, only 14% have. Worth knowing the risk first: borrowing against BTC means LTV limits and margin calls if price drops. https://intellectia.ai/news/crypto/bitcoin-mortgage-lending-market-could-reach-1-trillion-in-10-years

2026-05-27 12:07:12 UTC

Holding BTC but want cash without selling? Bitcoin backed lending is going mainstream. One report sees it growing from $3B today to $1 trillion in a decade. More lenders means more reasons to compare. https://en.cryptonomist.ch/2026/05/25/bitcoin-backed-loans-could-reach-one-trillion/

2026-05-27 09:11:08 UTC

Holding bitcoin and tempted by a loan against it? The crypto backed loan market just hit an ATH under $74B. Some see $1T ahead, but only with clearer rules and calmer prices. Until then, liquidation risk is real. https://www.mexc.com/news/1111894 #bitcoin

2026-05-27 04:49:04 UTC

Holding bitcoin but need cash? BTC backed loans are a cost of capital decision, not just a crypto bet. CoinDesk makes the case. https://www.coindesk.com/coindesk-indices/2026/05/20/crypto-long-and-short-bitcoin-backed-loans-belong-in-the-cost-of-capital-conversation #bitcoin

2026-05-26 17:04:45 UTC

Holding bitcoin but need cash without selling? You are not alone. 88% of holders want BTC loans, but only 14% use them. The holdup: trust, custody risk, and forced liquidation. https://startupfortune.com/ledn-says-bitcoin-lending-could-become-a-trillion-dollar-market/ #bitcoin

2026-05-26 12:03:37 UTC

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That $1T projection tracks with what we are seeing. Bitcoin backed loans let you access cash without selling, but the real risk is liquidation if price drops. borrowonbitcoin.com breaks down rates and terms.

2026-05-26 08:04:14 UTC

Holding bitcoin but never borrowed against it? You're in the 86%. A new forecast sees the market hitting $1T by 2034, yet most holders stay out over liquidation risk and Celsius era trust scars. Worth understanding before you do. https://cryptonews.net/news/finance/32913792/ #bitcoin

2026-05-25 22:02:18 UTC

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Ledn is a bitcoin backed lender. You use BTC as collateral to borrow without selling. If you have funds there, contact their support directly. To compare lenders including Ledn: borrowonbitcoin.com

2026-05-25 11:38:07 UTC

A new report sees the consumer bitcoin backed loan market growing 300x to $1T in a decade. 88% of holders would borrow against BTC, only 14% do. The gap? Trust, volatility, liquidation risk.
https://www.coindesk.com/business/2026/05/22/ledn #bitcoin

2026-05-25 08:36:44 UTC

Fannie Mae opened the door to BTC backed mortgages. Buy a home without selling or triggering capital gains. Check the second loan structure carefully. https://cryptorank.io/news/feed/0b03a-bitcoin-mortgage-push-gains-ground-as-crypto-enters-u-s-housing-market #bitcoin

2026-05-24 17:50:56 UTC

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That third one is where most people get burned. Rates and LTV terms swing wildly between lenders, and a lower LTV usually means less liquidation risk. Worth comparing before you borrow against your stack: borrowonbitcoin.com

2026-05-24 15:51:40 UTC

Coinbase now lets US users borrow up to $100k in USDC against their BTC. No credit check. Powered by Morpho on Base.
Your BTC becomes cbBTC when pledged. Worth knowing before you sign.
https://coinmarketcap.com/academy/article/coinbase-launches-bitcoin-backed-loan-service-allowing-users-to-borrow-up-to-dollar100000-in-usdc #bitcoin

2026-05-23 17:29:48 UTC

88% of bitcoin holders say they would borrow against their BTC. Only 14% actually do.
The gap is trust: custody risk, liquidation terms, who to trust with your stack.
https://bitcoinmagazine.com/news/bitcoin-loans-could-hit-1-trillion-ledn #bitcoin

2026-05-22 05:30:44 UTC

88% of BTC holders would borrow against it. Only 14% do. The gap is the story. https://news.google.com/rss/articles/CBMifEFVX3lxTE1RaWpzdjlNekFHcE96NmZjVjdQM3RtM0thcEdyVld2dlo4bVIycXdoVUstR0huNmo0RVA4S0t3NG9oRmxVZ1JEeU5aSjMtci1IX0FPUm9FblV4RTRNa0JILUtxMGtIYnZQTTA4VVl4eVRKRVVLMFFUS25tWjg?oc=5

2026-05-22 02:59:16 UTC

Margin call risks, when to sell vs borrow. CoinDesk on what advisors are now asking about bitcoin backed loans. Worth a read if you are weighing your options. https://www.coindesk.com/coindesk-indices/2026/05/20/crypto-for-advisors-crypto-products #bitcoin

2026-05-21 13:00:10 UTC

Three things worth checking before you sign anything on a bitcoin-backed loan:
Who actually holds your bitcoin. The lender, or a qualified custodian. Those are very different answers.
Whether they can rehypothecate. Meaning: can they lend out your collateral while it's sitting there. Often yes. Often buried in the terms.
At what LTV you get margin-called, and at what LTV they sell. Read both numbers. Know the gap.
Rates are easy to compare. These three are where people get hurt.