For Bitcoiners who've reached "Terminal Bitcoin"—you've stacked as much as you can, sold assets, and maxed out your savings. At that stage, growing your position further requires capital efficiency: staking Bitcoin to borrow Bitcoin.

To borrow Bitcoin, you stake your existing Bitcoin as collateral and receive up to 95% of that amount back as a loan in Bitcoin. The process involves:

1. Staking your Bitcoin (minimum 1 BTC)
2. Paying a 5% upfront fee in BTC
3. Receiving 95% of your staked amount as borrowed Bitcoin
4. Repaying the original staked amount after 12 months, or rolling for up to 5 years

This is different from traditional Bitcoin loans that give you fiat currency, as you receive Bitcoin for Bitcoin, eliminating margin call risks. Contact us to get started or use our Bitcoin loan calculator to model your scenario.

Yes! With BTC-to-BTC lending, you can access the value of your Bitcoin without selling it. You stake your Bitcoin as collateral and receive up to 95% back as a loan in Bitcoin. This allows you to:

• Access liquidity without selling your original stack
• Maintain your Bitcoin position
• Deploy borrowed capital into investment strategies
• Avoid margin calls and liquidations

This is ideal for Terminal Bitcoiners who want to optimize capital efficiency without selling their stack.

A Bitcoin loan is a lending arrangement where you use Bitcoin as collateral. There are two main types:

1. Traditional Bitcoin loans: You stake Bitcoin and receive fiat currency. These often have margin calls and liquidation risks.
2. BTC-to-BTC loans: You stake Bitcoin and receive Bitcoin as the loan. This eliminates margin calls because both collateral and loan are denominated in the same asset.

Loan My Coins specializes in BTC-to-BTC lending, offering up to 95% LTV with no margin calls or liquidations.

A BTC loan is a loan denominated in Bitcoin. With Loan My Coins, you receive Bitcoin as the loan (BTC-to-BTC), not fiat currency. Key features:

• No margin calls: Since both collateral and loan are in Bitcoin, price volatility doesn't trigger liquidations
• 95% LTV: Receive up to 95% of your staked Bitcoin as a loan
• 5% upfront fee: Simple fee structure, no ongoing interest
• Flexible terms: 12 months, renewable annually up to 5 years

This model is ideal for Bitcoiners who want to access liquidity without selling their stack or dealing with margin call risks.

To get a loan against Bitcoin:

1. Check eligibility: You need at least 1 BTC to stake
2. Contact us: Fill out our contact form or use the calculator to model your scenario
3. Onboarding: Complete KYC/AML with the independent loan provider
4. Stake Bitcoin: Deposit your Bitcoin as collateral
5. Receive loan: Get up to 95% back as borrowed Bitcoin (after 5% fee)

The entire process is handled remotely, subject to the loan provider's eligibility requirements and jurisdictional restrictions. Get started today.

Selling low-cost-basis Bitcoin means parting with your original stack. Loan My Coins lets you access liquidity by selling borrowed bitcoin instead, keeping your original stack intact.

Example: Instead of selling 10 bitcoin bought at $1,000 for $100,000/bitcoin, with Loan My Coins you can sell 9.5 borrowed bitcoin for $950,000 and invest, while maintaining your original 10 bitcoin position.

Unlock liquidity from your bitcoin to invest in assets that may outperform bitcoin, like bitcoin treasury companies, without selling your original stack. Our co-founder Peter is doing this with a portion of his bitcoin, targeting significant returns. If your investments beat bitcoin's growth plus 5%, you are obviously ahead.

Try the Calculator for help with your particular scenario.

Note: Use only a portion of your stack for this targeted strategy.

For the outperformance strategy, your investments should beat bitcoin's growth plus the 5% fee.

If bitcoin grows 20%, your $950,000 investment needs >25% return +CGT to profit after repaying 10 bitcoin.

Try the Calculator for help with your particular scenario.

The borrowed bitcoin's cost basis typically equals its value at the time you receive it (e.g., $950,000 for 9.5 BTC at $100,000/bitcoin). Consult a qualified tax professional for advice specific to your jurisdiction.

Direct investments may require selling bitcoin or limit choices (e.g., ISAs). Loan My Coins offers flexibility to access liquidity without selling your original stack, plus minimal risk.

No. Borrowing to HODL bitcoin costs 5% without upside. Loan My Coins is for strategies like investing to outperform bitcoin.

LMC's BTC-to-BTC model scores an estimated 10 on Zone21's risk framework (Low/Green), outperforming Unchained (29) and Ledn (49) by avoiding liquidation/oracle risks and offering 95% LTV (nearly double their 50%), you can see more detail on this on our comparison page.

Because this is a BTC-to-BTC arrangement, the price of bitcoin is irrelevant to repayment terms — there is zero chance of margin calls or liquidations. You receive the full BTC value of your collateral upfront (less the 5% fee), which means there is effectively no counterparty risk. Even if the loan provider ceased operations, you would still hold the borrowed BTC and could write off your original cost base as a capital loss, resetting it while retaining your side of the trade.