Never sell your Bitcoin.Borrow against it.
Access institutional-grade capital without transferring custody to a centralized intermediary.
Swiss-basedCrypto Valley, Zug
Non-custodial2-of-3 multisig collateral
AML-supervisedVQF member (#101306)
Why borrow with us
A borrowing model designed to eliminate custody risk.
Features
Non-custodial
Your collateral sits in a 2-of-3 multisig escrow.
Your collateral sits in a 2-of-3 multisig escrow.No rehypothecation
Never pooled, reused, or lent out.
Never pooled, reused, or lent out.Cold-storage compatible
Hold your escrow key on your own hardware wallet.
Hold your escrow key on your own hardware wallet.Platform-independent
Recover your collateral even if BTCBacked goes offline.
Recover your collateral even if BTCBacked goes offline.Market-driven
You set your rate, size, and duration.
You set your rate, size, and duration.Transparent fees
No spreads, all fees disclosed upfront.
No spreads, all fees disclosed upfront.On-chain visibility
Loan and collateral verifiable on-chain.
Loan and collateral verifiable on-chain.AML-supervised
Member of VQF, a FINMA-recognized SRO.
Member of VQF, a FINMA-recognized SRO.
Centralized players
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Borrowing fees
Simple, transparent, Bitcoin-based.
1.5% per year platform fee
After you receive the full loan payout, a one-time platform fee of 1.5% per year of the loan term is deducted from your Bitcoin collateral.
5% Liquidation fee - if applicable
A 5% liquidation fee applies only in the event of default or failure to meet required margin levels (90% LTV threshold).
How it works
A simple guide to borrowing against Bitcoin collateral.
1
Create or browse loan offers
+
Create a borrowing request or browse loan offers.
Create a borrowing request with your preferred terms.
Alternatively, browse and accept an existing lender offer.
2
Match with a lender
+3
Secure loan
+4
Monitor & manage
+5
Repay & retrieve collateral
+Our partners
