Your concierge for Bitcoin loans.

Bitcoin loans are complicated. We sit on the buyer's side, know the providers, and help you get the loan that fits so you can HODL and borrow with confidence.

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Compare options side by side, or tell us what you need and we will match you.

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Rates, fees, custody, and terms in one view.

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Comparison

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Strike

Loan + line of credit

Custody: Qualified custodial
Max LTV: 50% standard; 40% volatility-proof
Rate: Fixed loan 7.49–11.25% APR (size and payment schedule); LOC currently 13% variable (Prime + margin); vol-proof = standard +2.95%
Liquidation: Partial: sell minimum collateral to restore LTV to 65%

Coinbase (Morpho)

DeFi revolving (via Coinbase UI)

Custody: DeFi smart contract
Max LTV: Up to just under 86% (market LLTV)
Rate: Variable (Morpho AdaptiveCurveIRM / utilization); marketing often from ~5%+
Liquidation: Permissionless on-chain liquidation; liquidator can repay up to full debt

Morpho

DeFi revolving (Blue); fixed-term exists on Midnight

Custody: DeFi smart contract
Max LTV: Market-specific: borrow allowed up to just under that market’s LLTV (no single Morpho-wide max)
Rate: Blue: variable AdaptiveCurveIRM (utilization; ~90% target). Midnight: fixed rate, fixed term (separate product).
Liquidation: Permissionless liquidate when LTV > LLTV; up to 100% of debt

Ledn

Fixed-term loan

Limited / Partial

Custody: Qualified custodial
Max LTV: 50%
Rate: 9.25–11.49% APR size-tiered (interest plus admin in published APR math)
Liquidation: Automatic partial sale of collateral; residual returned

Nexo

Revolving credit line

Limited / Partial

Custody: Qualified custodial
Max LTV: BTC up to 50% on US borrow page; other assets differ (stablecoins higher)
Rate: US Wealth Club starting-from rates: Classic from 12.90%, Premier from 2.90%, Elite from 1.90%, Signature from 0.90% (full grid app-gated). Global loyalty tables differ.
Liquidation: Partial auto typical

SALT

Fixed-term loan

Custody: Qualified custodial
Max LTV: Up to 70% (30/50/70% tiers; 70% is 1-year only)
Rate: 7.49–10.50% APR flat schedule by LTV and term (official rates page)
Liquidation: Stabilization if opted in; full sale path without; optional SALT Shield on eligible loans

Provider	Product	Custody	Rehypothecation	Max LTV	Liquidation	Rate range
Strike BTC only	Loan + line of credit	Qualified custodial	No	50% standard; 40% volatility-proof	Partial: sell minimum collateral to restore LTV to 65%	Fixed loan 7.49–11.25% APR (size and payment schedule); LOC currently 13% variable (Prime + margin); vol-proof = standard +2.95%	View
Coinbase (Morpho) Wrapped BTC (cbBTC on Base)	DeFi revolving (via Coinbase UI)	DeFi smart contract	No	Up to just under 86% (market LLTV)	Permissionless on-chain liquidation; liquidator can repay up to full debt	Variable (Morpho AdaptiveCurveIRM / utilization); marketing often from ~5%+	View
Morpho Wrapped BTC variants (cbBTC, WBTC, LBTC, etc.) and other assets by market	DeFi revolving (Blue); fixed-term exists on Midnight	DeFi smart contract	No	Market-specific: borrow allowed up to just under that market’s LLTV (no single Morpho-wide max)	Permissionless liquidate when LTV > LLTV; up to 100% of debt	Blue: variable AdaptiveCurveIRM (utilization; ~90% target). Midnight: fixed rate, fixed term (separate product).	View
Ledn BTC only (primary product)	Fixed-term loan	Qualified custodial	Limited / Partial	50%	Automatic partial sale of collateral; residual returned	9.25–11.49% APR size-tiered (interest plus admin in published APR math)	View
Nexo BTC and many altcoins	Revolving credit line	Qualified custodial	Limited / Partial	BTC up to 50% on US borrow page; other assets differ (stablecoins higher)	Partial auto typical	US Wealth Club starting-from rates: Classic from 12.90%, Premier from 2.90%, Elite from 1.90%, Signature from 0.90% (full grid app-gated). Global loyalty tables differ.	View
SALT BTC and selected altcoins	Fixed-term loan	Qualified custodial	No	Up to 70% (30/50/70% tiers; 70% is 1-year only)	Stabilization if opted in; full sale path without; optional SALT Shield on eligible loans	7.49–10.50% APR flat schedule by LTV and term (official rates page)	View

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Common questions

What do you actually do for me?: We help you find and complete the right Bitcoin-backed loan. That includes honest comparison, matching based on your situation, and hands-on help with providers when you want a partner.
Are you a lender?: No. We are a buyer-side concierge and comparison partner. We do not fund loans or hold your Bitcoin.
Do you hold my Bitcoin?: No. We never take custody of funds or collateral. If you borrow, collateral sits with the lender or protocol you choose.
How are you different from going to a lender directly?: Lenders sell their own product. We compare options side by side and stay on your side through the decision, including fine print that does not show up in a rate quote.

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