Bitcoin-Backed Loans

Lenders that let you borrow cash or stablecoins against your bitcoin. Check how collateral is held and whether it can be rehypothecated before borrowing. These are custodial: a company holds the Bitcoin for you. Not financial advice.

• Abra · Financial firm offering bitcoin-backed loans, bitcoin yield and custody

• Arch · US lender offering USD or USDC loans backed by bitcoin and other assets, with collateral held at qualified custodian Anchorage Digital.

• Clapp · Credit line that lets you borrow cash against bitcoin you already hold

• Coinbase Bitcoin-Backed Loans · Borrow USDC against bitcoin in the Coinbase app, with loans issued onchain through Morpho on Base. Available in the US (excluding NY) and UK.

• Featured Coinrabbit · Bitcoin-backed loans: borrow against your BTC as collateral with no credit checks, plus a wallet and exchange.

• Debifi · Non-custodial bitcoin-backed lending platform where bitcoin collateral is held in multisig, connecting borrowers with lenders.

• Figure · US lender offering cash loans secured by Bitcoin with same-day approval and no credit score check, alongside HELOCs.

• Firefish · Peer-to-peer Bitcoin-backed loan platform where collateral is locked in multisig escrow on the Bitcoin blockchain. Borrow fiat.

• Hodl Hodl Lend · Peer-to-peer lending platform where bitcoin collateral sits in multisig escrow and borrowers receive loans from lenders.

• Lava · Bitcoin-backed lending app that lets users borrow dollars against bitcoin, with collateral held in onchain escrow contracts.

• Ledn · Bitcoin-backed loans in USD using BTC as the only collateral. The lender states collateral is never lent out to earn interest.

• Lendasat · Platform for borrowing fiat against bitcoin, with collateral locked in a non-custodial escrow.

• Milo · US lender offering bitcoin-backed mortgages and loans where bitcoin is pledged as collateral instead of a cash down payment.

• Nexo · Digital asset platform offering a bitcoin-backed credit line that lets users borrow against their bitcoin without selling it.

• SALT Lending · One of the longest-running bitcoin lenders, offering bitcoin-backed cash loans with 1 to 5 year terms and multiple loan-to-value options in most US states.

• Sovryn · Decentralized bitcoin lending and trading platform with zero-interest borrowing

• Strike · Bitcoin-backed term loans and lines of credit from Strike in select US states, with no credit check and funding typically within one business day.

• Unchained · Bitcoin-backed loans where collateral sits in multisig, with Unchained, a partner bank and the borrower each holding a key. Minimums apply.

• Vield · Australian lender providing Australian dollar loans secured by Bitcoin at up to 50% LVR, plus white-label lending for platforms.

• YouHodler · Bitcoin-backed loans that let you borrow against bitcoin without selling it

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