Access Bitcoin liquidity without selling or margin calls.
Loan My Coins introduces long-term Bitcoin holders to BTC-denominated loan options designed to avoid forced liquidation and fiat exposure.
Bitcoin-only. No yield chasing.
What This Is
What this is
A Bitcoin-only path to liquidity for people who don't want to sell their BTC.
Who it's for
Long-term Bitcoin holders with conviction and time.
Why it's different
BTC-denominated structure. No margin calls. No forced liquidations.
See how it works in your situation
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.
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.
How Bitcoin-Denominated Loans Work
Loan My Coins acts solely as an introducer. All loans and agreements are entered into directly with an independent loan provider.
Who This Is Not For
This is not for you if:
- You want short-term leverage
- You plan to HODL the borrowed BTC
- You cannot comfortably repay the loan
- You're seeking yield products
What is Terminal Bitcoin?
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.
What Our Clients Say
"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."
"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."
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.
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.
Ready to explore whether this makes sense for you?
Start with the calculator or request a private introduction to discuss your situation.
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.