Bitcoin Loans for Long-Term Holders
Built for Bitcoiners with conviction, not traders chasing leverage.
If you're a long-term Bitcoin holder who has accumulated a meaningful position over years, traditional lending options often don't align with your philosophy or risk tolerance. BTC-to-BTC lending offers a Bitcoin-native approach that respects your long-term strategy.
In Short
- Designed for conviction: Built for Bitcoiners who think in years, not days. No margin calls or liquidation risk to disrupt your long-term strategy.
- Protect your stack: Access liquidity without selling your original Bitcoin position. Your accumulation efforts remain intact.
- Bitcoin-only approach: No fiat exposure. Both collateral and loan are Bitcoin, aligning with your Bitcoin-first philosophy.
- Terminal Bitcoin path: For those who've reached the limit of accumulation and need capital efficiency, not more buying.
Why Traditional Loans Don't Fit Long-Term Holders
Traditional Bitcoin-backed loans are designed for short-term leverage, not long-term holders:
Margin Call Stress
Long-term holders don't want to monitor prices daily or worry about margin calls during market volatility. Your strategy is years, not days—but traditional loans force you into short-term thinking.
Liquidation Risk
Forced sales during bear markets contradict long-term holding philosophy. You've accumulated through cycles; you shouldn't lose your stack to liquidation during a downturn.
Fiat Exposure
Receiving USD or stablecoins creates currency risk and doesn't align with Bitcoin-only strategies. Your loan terms depend on fiat, not Bitcoin.
Low Capital Efficiency
50-70% LTV means locking up significant Bitcoin for limited liquidity. Long-term holders need better capital efficiency to unlock value without selling.
BTC-to-BTC: Built for Long-Term Thinking
Bitcoin-to-Bitcoin lending aligns with long-term holder values and risk tolerance:
No Margin Calls, Ever
Your loan terms are fixed in Bitcoin. Price volatility doesn't create margin call risk because both sides are the same asset. Sleep soundly through any market cycle.
Zero Liquidation Risk
Liquidation is mathematically impossible with BTC-to-BTC loans. Your Bitcoin stays safe through bear markets, flash crashes, or extended downturns—exactly as it should for long-term holders.
Bitcoin-Only
No fiat currency exposure. Both your collateral and loan are Bitcoin. This aligns with Bitcoin-first philosophy and eliminates currency conversion risk.
High Capital Efficiency
95% LTV means accessing nearly all your Bitcoin's value without selling. Long-term holders can unlock liquidity while preserving their accumulated stack.
For Those Who've Reached the Limit
Long-term holders eventually reach a point where accumulating more Bitcoin becomes difficult:
The Terminal Bitcoiner
You've sold properties, downsized, redirected every spare dollar. You've stacked as hard as possible and reached the limit of meaningful accumulation.
At this stage, the question isn't "How do I buy more?"—it's "How do I make the Bitcoin I already hold work harder, without selling a sat?"
What BTC-to-BTC Enables
- Capital efficiency: Leverage your existing stack without selling
- Investment opportunities: Deploy borrowed Bitcoin into outperforming assets (Bitcoin treasury companies, etc.)
- Liquidity access: Unlock value for opportunities without breaking your accumulation strategy
- Stack preservation: Your original Bitcoin remains untouched, ready for multi-generational transfer
Take our Terminal Bitcoiner Quiz to see if BTC-to-BTC lending aligns with your strategy.
How It Compares to Traditional Options
| Feature | Traditional Fiat Loans | BTC-to-BTC (Long-Term Focus) |
|---|---|---|
| Time Horizon | Short-term (months) | Long-term (years) |
| Price Monitoring | Daily monitoring required | No monitoring needed |
| Margin Call Risk | High - frequent during volatility | None - impossible |
| Liquidation Risk | High - forced sales during downturns | None - mathematically impossible |
| Philosophy Alignment | Fiat-denominated, short-term thinking | Bitcoin-only, long-term strategy |
| Capital Efficiency | 50-70% LTV | 95% LTV |
How Long-Term Holders Use BTC-to-BTC
Investment Leverage
Borrow Bitcoin to invest in assets that outperform Bitcoin (Bitcoin treasury companies like MSTR or Metaplanet). If your investment beats Bitcoin's growth plus the 5% fee, you're ahead while keeping your original stack.
Estate Planning
Access Bitcoin value for estate planning needs without selling your long-term position. Maintain your stack for future generations while addressing current liquidity requirements.
Business Opportunities
Use your Bitcoin as collateral for business investments or opportunities without breaking your accumulation strategy. Your stack stays intact while you seize opportunities.
Tax Efficiency
Sell borrowed Bitcoin (current cost basis) instead of low-cost-basis Bitcoin from your original stack. This defers capital gains while accessing liquidity.
Built for Long-Term Holders
BTC-to-BTC lending respects your long-term strategy. No margin calls, no liquidations, no fiat exposure. Use our calculator to model how it works in your situation.
Important: Loan My Coins acts solely as an introducer. All loans and agreements are entered into directly with an independent loan provider. We do not provide financial advice. BTC-to-BTC lending is designed for capital efficiency strategies, not simply HODLing borrowed Bitcoin.