The Swiss standardfor Bitcoin-backed lending
Bridging the gap between institutional-grade capital and Bitcoin sovereignty.
Two parties. One marketplace. Zero custody.
Borrow and lend against Bitcoin without giving up control of your keys.
Borrowers
Unlock liquidity without selling your
bitcoin.
Lenders
Lend capital and earn returns secured by Bitcoin collateral.
Why 
Because Bitcoin-backed lending should not require trust in a centralized intermediary.
Non-custodial
Your Bitcoin collateral sits in a 2-of-3 multisig escrow. You, your counterparty, and BTCBacked each hold one key. No one can move it alone. Never pooled or rehypothecated.
Cold-storage compatible
Bring your own hardware wallet, such as a Coldcard, to generate your escrow key and authorize any movement of collateral. Your key never leaves it.
Platform-independent
Even if BTCBacked goes offline, you and your counterparty hold two of three keys and can recover the collateral with your own wallet or an open-source tool.
Market-driven
Counterparties lend and borrow directly, each setting their own rate, size, and duration. Principal moves straight from lender to borrower.
Transparent
Clear terms, no spreads. Borrowers pay a 1.5% platform fee to borrow; lenders pay nothing and keep the interest. Every fee is verifiable on-chain.
AML-supervised
BTCBacked AG is a Swiss virtual asset service provider based in Zug, supervised under anti-money-laundering law by VQF, an SRO recognized by FINMA.
Start borrowing or lendingwithtoday
Access liquidity or deploy capital through a non-custodial, peer-to-peer lending marketplace secured by the Bitcoin blockchain.
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