If you hold Bitcoin but need liquidity, selling is not your only option. A Bitcoin-backed loan lets you deposit your BTC as collateral and borrow against its value, so you get spendable funds today while keeping your exposure to any future price gains.
How borrowing against BTC works
- Deposit your Bitcoin as collateral. It is held securely for the duration of the loan.
- Choose your loan amount and, if you want, your leverage. The platform sets a maximum based on your loan-to-value ratio.
- Receive funds instantly in cash or stablecoins — no credit check, no paperwork.
- Repay anytime to release your BTC, or add collateral if prices move against you.
How much can you borrow?
Your borrowing limit depends on the value of your BTC and the loan-to-value ratio you choose. A conservative LTV leaves a large buffer against price swings; a higher LTV — or higher leverage — increases borrowing power but brings the liquidation price much closer to the current market. Bitcoin is volatile, so sizing your loan with a comfortable margin is essential.
Managing liquidation risk
Liquidation happens when BTC falls far enough to push your loan-to-value past the threshold. To stay safe:
- Borrow well below your maximum to keep a buffer.
- Add collateral or repay early if Bitcoin drops sharply.
- Treat high leverage with caution — it shrinks the price move needed to liquidate you.
New to the mechanics? Start with how crypto-backed loans work →
Ready to borrow against your crypto?
Deposit collateral and get instant liquidity — no credit check.