Two professionals in a dark high-tech office with holographic Bitcoin data and coins, discussing digital currency
Why Loan My Coins

The Bitcoin-Only Advantage

  • Zero Counterparty Risk: You keep the full value of borrowed Bitcoin unlike fiat loans where you're left holding fiat if the provider fails.
  • 95% LTV: Deposit 10 BTC, receive 9.5 BTC instantly. Nearly double what fiat loans offer.
  • 5% Fixed Rate: One upfront fee. No variable interest, no hidden costs.
  • No Margin Calls: Market swings don't force liquidation. Your stack stays intact.
  • 1 Bitcoin Minimum: Built for serious HODLers to tap into significant BTC value.
Loan Calculator

Model Your Scenario

Deposit 10 BTC ($1M), get 9.5 BTC ($950k) immediately (5% fee deducted), use the 9.5 BTC for 12 months, repay 10 BTC to reclaim 10 BTC.

Use the Loan Calculator
Understanding Terminal Bitcoin

What is Terminal Bitcoin?

Split illustration showing a person in a messy, dark room with sold signs on their belongings, and another person in a high-tech vault with a large Bitcoin symbol and stacks of coins
Risk Assessment

Evaluate the Risk: Why Loan My Coins Stands Out

At Loan My Coins, transparency is key—we believe in empowering bitcoiners to make informed decisions.

Our Bitcoin-for-Bitcoin loan model is designed for ultra-low risk, with no counterparty exposure after you receive your borrowed BTC (unlike fiat loans where counterparty failure leaves you holding fiat), no margin calls, and full user control. Checkout the loan calculator here.

But don't just take our word for it: we've applied the independent risk framework from Zone21.com to self-assess LMC, achieving an estimated risk score of (10 Low)—far lower than bitcoin for fiat products.

Curious how we compare? Check out our comparison page for a detailed breakdown, including how LMC's 95% LTV and 5% fixed rate address common pitfalls in the industry. Always do your own research and verify the details.

Learn more
Businessman in a suit at a desk with holographic financial graphs and Bitcoin symbol, in a high-tech office environment with digital screens
Testimonials

What Our Clients Say

Digital illustration of a man wearing sunglasses and a suit, with a confident expression

"I've always been hesitant about traditional Bitcoin-to-fiat loans. The low LTV ratios meant locking up way more BTC than necessary just to get a fraction back, plus the constant worry of margin calls. This was a game-changer: same amount of bitcoin, but I got twice the liquidity at 95% LTV, all without counterparty risk or forced sales. The low 5% fixed rate? That's just a bonus."

Bitcoiner
Cartoon image of a confident woman with shoulder-length brown hair, wearing black sunglasses, gold hoop earrings, a dark blazer over a white shirt, and a gold pin on her blazer, with a dark background and purple outline

"Onboarding was a breeze: quick, secure, and the support was top-notch, walking me through my concerns without any pressure. Feels like a service made for real bitcoiners who want to access their low cost bitcoin to build their stack."

HODLer
Powered by The Bitcoin Adviser

Loan Against Your Bitcoin, the Right Way

At The Bitcoin Adviser, we hear one question above all: "How can I loan against my Bitcoin with confidence?"

That's why we created Loan My Coins, to raise the bar and deliver a better way forward.

Powered by our deep expertise in bitcoin collaborative security, multisig solutions, and inheritance planning, Loan My Coins lets you access your bitcoin's value without needing to trust us, or anyone.

Your stack stays under your control, secure for the long haul, while you seize opportunities today. With LoanMyCoins, we're improving the industry—giving you freedom, security, and a solution built by Bitcoin innovators.

Learn more
Andy and Peter, founders of The Bitcoin Adviser
Logo for The Bitcoin Adviser featuring the word 'bitcoin' with an orange Bitcoin symbol replacing the letter 'o' on a black background
New on ChatGPT

Loan My Coins GPT

Loan My Coins GPT is a dedicated AI guide designed to assist you with loan-related inquiries, specialising in explaining details about the Loan My Coins product and the onboarding process.

  • Focuses exclusively on Loan My Coins processes and services.
  • Provides detailed guidance on each step of the onboarding journey, from reviewing agreements to setting up the loan.
  • Refrains from giving financial advice or making price predictions—ever.
  • Now available to all ChatGPT users via OpenAI's GPT Store.
Access

Start chatting instantly on ChatGPT and keep your loan inquiry momentum between live sessions.

Launch here: https://chatgpt.com/g/g-687c5f336a00819181df61892f6f2c31-loan-my-coins

Open the GPT Talk to the team
Partnership Opportunity

Become a Referral Partner

Earn 10% lifetime revenue share by introducing clients to Loan My Coins. Whether you're a podcaster, community leader, trusted professional, or a Bitcoiner wanting to help others access Bitcoin liquidity, our referral program lets you monetize your network while helping others unlock their Bitcoin value.

  • 10% Lifetime Revenue Share: Earn ongoing commissions for every successful referral for as long as the client remains active.
  • Guided Onboarding: Access education assets, brand materials, and dedicated support from our team.
  • Growth Path: High-performing referral partners can advance to adviser roles with expanded compensation.
  • Professional Resources: Get referral guides, messaging frameworks, and everything you need to represent Loan My Coins with confidence.
  • Zero Satoshis Lost: Since 2016, The Bitcoin Adviser has designed thousands of collaborative security vaults with a perfect safety record.
Learn About Referral Program
Ideal For

Podcast hosts, community leaders, financial professionals, and Bitcoiners who want to help others access Bitcoin liquidity. Perfect for anyone who values Bitcoin-only solutions and wants to help others unlock their Bitcoin value.

Reached Terminal Bitcoin?

Borrow in Bitcoin. Keep Your Stack.