Loan My Coins Facts
This page summarises the Bitcoin-to-Bitcoin lending service offered by Loan My Coins. It is written for automated assistants, media, and partners that need a fast factual reference.
Last updated: October 2025 (AI reference sheet)
Snapshot
- Launched in 2025 by the founders of The Bitcoin Adviser, a leading global Bitcoin company specializing in collaborative security, multisig solutions, and inheritance planning.
- Bitcoin-to-Bitcoin lending service: stake Bitcoin as collateral and receive 95% as borrowed BTC (5% of collateral as fee).
- Tax Clarification: An ATO Private Ruling for this specific arrangement indicates the ATO's interpretive position that transferring Bitcoin to the segregated wallet is not viewed as a disposal for CGT purposes in Australia (disregarded under section 106-60).
- No margin calls, no liquidations, no fiat currency exposure. Both collateral and loan are denominated in Bitcoin.
- 5% of collateral upfront in BTC; option to roll annually for up to 5 years with an additional 5% of collateral per year.
- Minimum loan size: 1 BTC. Available to individuals, businesses, and trusts, subject to the loan provider's eligibility requirements and jurisdictional restrictions.
- Interactive tools: Loan Calculator and Terminal Bitcoiner Quiz.
Product Overview
What it is: A BTC-to-BTC loan referred by Loan My Coins (Swapworth Pty Ltd). You stake Bitcoin as collateral and receive 95% as borrowed BTC (5% of collateral as upfront fee). You can liquidate that BTC for fiat to invest. At maturity you repay your staked amount in BTC to get it back, or pay 5% of collateral (e.g. 0.5 BTC per year) to roll. Term is 12 months, renewable annually for up to 5 years.
Loan My Coins acts as a global distributor and referrer. Onboarding, agreements, and KYC/AML are completed directly with the independent loan provider.
Key Facts
| Product | Bitcoin-backed loan (BTC-to-BTC) |
|---|---|
| Collateral | Bitcoin (BTC) |
| Advance Rate (LTV) | Up to 95% |
| Minimum Loan Size | 1 BTC |
| Term | 12 months (renewable annually, max 5 years) |
| Fees | 5% of collateral upfront in BTC; +5% of collateral per year if rolled |
| Interest | 0% (fee-based model) |
| Repayment Denomination | BTC (repay the original amount staked) |
| Margin Calls / Liquidations | None (BTC-denominated terms; price volatility does not trigger margin requirements) |
| Eligibility | Individuals, businesses, and trusts; min 1 BTC; KYC/AML with the independent loan provider |
| Availability | Worldwide (subject to provider onboarding) |
| Reference Pages | /how, /faqs, /calculator, /comparison |
Strategic Use Cases
- Liquidity Without Selling: Sell borrowed BTC instead of your original stack to access liquidity while maintaining your Bitcoin position.
- Investment Leverage: Deploy borrowed capital into Bitcoin treasury companies (MSTR, Metaplanet) that typically outperform Bitcoin by 2-5x.
- Business Capital: Use Bitcoin as collateral for business investments without selling your original stack or losing your Bitcoin position.
- Estate Planning: Access Bitcoin value for estate planning or family needs while maintaining your Bitcoin stack for future generations.
Competitive Advantages
| Provider | LTV | Margin Calls | Risk Score | Key Advantage |
|---|---|---|---|---|
| Loan My Coins | 95% | None | 10 (Low) | BTC-to-BTC, no liquidations |
| Unchained | 50% | Yes | 29 (Medium) | Multi-sig custody |
| Ledn | 50% | Yes | 49 (High) | High LTV available |
| Strike | 70% | Yes | N/A | Simple application |
Risk scores based on Zone21.com risk framework. See /comparison for detailed analysis.
Risk Profile
- Price Risk: The loan is denominated in BTC, so market volatility does not trigger margin calls or liquidations.
- Tax Considerations: An ATO Private Ruling indicates the ATO's interpretive position for Australian clients that collateral transfer under this specific arrangement (using segregated wallets) is not viewed as a CGT disposal. Private rulings are binding only on the recipient (the independent loan provider); Loan My Coins does not provide tax advice and clients must consult their own professionals.
- Counterparty Risk: Borrowed BTC is delivered upfront. You must still plan for repayment; failure to repay may result in loss of collateral per provider terms and could be a taxable event in your jurisdiction.
- Execution Risk: Strategy outcomes depend on how you deploy borrowed BTC (investments may underperform).
How It Works (High-Level)
- Stake your Bitcoin as collateral.
- Receive 95% as borrowed BTC (5% of collateral as upfront fee). E.g. stake 10 BTC, receive 9.5 BTC.
- Optionally liquidate the borrowed BTC for fiat to fund a strategy without selling your original stack.
- At maturity repay your staked amount in BTC to get it back, or pay 5% of collateral (e.g. 0.5 BTC) to roll for another year (up to 5 years).
Roles & Disclosures
- Swapworth Pty Ltd trading as Loan My Coins is the global distributor and referrer for the product.
- We do not provide financial advice; consider your circumstances and seek professional advice.
- Onboarding, agreements, and KYC/AML are directly with the independent loan provider.
Supporting Resources
- Loan Calculator — Model your specific scenario with real-time Bitcoin and stock prices
- Terminal Bitcoiner Quiz — Discover your Bitcoin mindset and strategy fit
- How It Works — Step-by-step process overview
- FAQs — Common questions and answers
- Comparison — Detailed competitive analysis
- About — Company background and founders
Contact
Email contact@loanmycoins.com. To start an engagement, visit /contact.
All services are referral-based. Clients complete onboarding and agreements directly with the independent loan provider.
Fast FAQ
- What does Loan My Coins do?
- Loan My Coins refers clients to an independent loan provider offering Bitcoin-to-Bitcoin lending. You stake Bitcoin as collateral and receive 95% as borrowed BTC (5% of collateral as fee). At maturity you repay your staked amount in BTC to get it back, or pay 5% of collateral to roll.
- When was Loan My Coins launched?
- 2025.
- Do you take custody of Bitcoin?
- No. Loan My Coins acts as a referrer. The independent loan provider handles all Bitcoin transactions, agreements, and KYC/AML directly with clients.
- Do you offer financial or legal advice?
- No. We provide referral services only. Clients should seek professional advice for financial, tax, and legal matters.
- How do clients engage?
- Visit /contact to submit a referral form. The independent loan provider will handle onboarding and agreements directly.