Providers / Hodl Hodl Lend
Hodl Hodl Lend
P2P multisig escrow lending
Peer-to-peer multisig escrow marketplace. Rates and terms are offer-driven rather than a single rate card.
Best for: Sovereignty-focused borrowers comfortable with P2P offer books.
Product and eligibility
Product type
P2P offer book
Collateral
Native BTC
Eligible borrowers
Often low KYC options
US availability
Global P2P; local law still applies
Custody and counterparty
Custody model
Non-custodial / P2P
Escrow multisig; platform not sole key holder
Rehypothecation
PoR / audits / insurance
Multisig escrow
Track record
Long-running P2P Bitcoin services brand
Call, cure, and liquidation
Notice, grace period, partial vs full sale, and fees all differ by provider.
1. Starting LTV
70%
2. Margin call
USDT/USDC path 75/80/85% then 90% forced; L-BTC/WBTC path 84/86/88% then 90%
3. Cure window
Until 90% LTV; maturity non-repay path includes 24 hours before liquidation
4. Liquidation
90%
At 70% starting LTV, Bitcoin must fall about 22.2% for LTV to reach 90%.
- Max initial LTV
- 30–70% for fiat-backed cryptos; up to 80% for BTC-equivalent cryptos
- Liquidation style
- Escrow dispute / release process
- Liquidation fee
- 5% of initial loan amount
- Collateral retrieval
- On repay / escrow rules
Cost and terms
| Rate range | Market / offer-set (no single platform rate card) |
|---|---|
| Origination fee | 1.5% of loan amount (locked in escrow per FAQ) |
| Prepayment fee | Offer dependent |
| Renewal / refinance | Offer dependent |
| Minimum loan | $50 USD equivalent |
| Term options | 1–12 months |
| Liquidation fee | 5% of initial loan amount |
| Collateral retrieval | On repay / escrow rules |
| US availability | Global P2P; local law still applies |
| Unique features | True offer market; multisig escrow |
Who this is best for
Sovereignty-focused borrowers comfortable with P2P offer books.
Who should skip
You need a fixed published APR and white-glove funding desk.