How It Works

How Loan My Coins Works

Access your Bitcoin's value without selling, margin calls, or fiat exposure.

Loan My Coins is a Bitcoin-to-Bitcoin lending service designed for long-term Bitcoin holders who want liquidity without selling their coins.

In Short

By staking your Bitcoin, you can borrow up to 95% of its value — in Bitcoin — at a fixed fee, with no margin calls, no liquidations, and no fiat currency exposure. Your original BTC remains secure and you can deploy the borrowed BTC however you choose, from investments to major purchases, while keeping your stack intact.

The Process

Here's How It Works in Five Simple Steps

How Loan My Coins works - visual diagram

Step 1 — Stake 10 BTC

You send your BTC to the secure loan provider wallet.

Step 2 — Receive 95% instantly

Get 9.5 BTC (95% LTV) sent directly to you. The 5% fixed fee is deducted upfront — no variable interest rates, no hidden costs.

Step 3 — Sell or invest (optional)

You can hold the borrowed BTC, sell for fiat, or invest in assets like Bitcoin treasury companies, real estate, or yield-generating opportunities. Your goal is to outperform Bitcoin's growth plus the 5% fee and any capital gains from the new investment.

Step 4 — Repay or roll

At 12 months, you can either repay the full 10 BTC or roll the loan for another year by staking an additional 5% of the original loan amount. You can roll annually for up to 5 years, giving you time to outlast bear markets.

Step 5 — Get your BTC back

Once repaid, your original BTC is returned in full — untouched.

Why BTC-to-BTC?

Unlike traditional Bitcoin loans that give you fiat currency, Loan My Coins provides Bitcoin-to-Bitcoin lending. This eliminates margin calls, liquidations, and counterparty risk—you keep the full value of borrowed Bitcoin in your possession, unlike fiat loans where counterparty failure leaves you holding fiat.

Liquidity Without Selling

Access your Bitcoin's value without selling your position. By borrowing against your BTC instead of selling it, you maintain your full stack while deploying capital for investments, purchases, or opportunities that require liquidity.

Ready to Get Started?

Use our loan calculator to model your scenario, or contact us to learn more about how Loan My Coins can work for you.

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