Who This Is For
BTC-to-BTC lending is designed for specific types of Bitcoiners with specific needs.
Understanding who Loan My Coins is designed for helps ensure the best fit between the product and your situation. If this sounds like you, BTC-to-BTC lending may be the right path forward.
Who BTC-to-BTC Lending Fits
Long-Term Bitcoin Holders
You think in years, not days. You've accumulated Bitcoin over time and plan to hold long-term. You want to access liquidity without selling your original stack, and you value stability over short-term leverage.
Why it fits: BTC-to-BTC lending eliminates liquidation risk, making it suitable for long-term strategies. No margin calls mean you don't need to monitor prices daily.
Terminal Bitcoiners
You've reached the limit of accumulation. You've sold properties, downsized, redirected every spare dollar. You've stacked as hard as possible and need the next step: capital efficiency.
Why it fits: BTC-to-BTC lending is the natural progression after terminal accumulation. It lets you make your Bitcoin work harder without selling, which is exactly what Terminal Bitcoiners need.
Strategic Investors
You have clear investment strategies. You want to deploy borrowed Bitcoin into investments that may outperform Bitcoin (Bitcoin treasury companies, business opportunities, etc.). You're not borrowing to HODL—you're borrowing to invest.
Why it fits: The 5% upfront fee makes sense when you have a clear strategy that may beat Bitcoin's growth plus fees. Without a strategy, borrowing just adds cost.
Bitcoin-Only Advocates
You prefer Bitcoin-native solutions. You want to avoid fiat currency exposure entirely. Your philosophy is Bitcoin-only, and you want lending solutions that align with that.
Why it fits: BTC-to-BTC lending is truly Bitcoin-native. Both collateral and loan are Bitcoin, eliminating fiat currency exposure entirely.
Those Seeking Liquidation Protection
You've been burned by margin calls or fear liquidation risk. Traditional Bitcoin loans with margin calls and liquidation risk don't align with your risk tolerance or holding strategy.
Why it fits: BTC-to-BTC lending eliminates liquidation risk entirely. It's impossible to liquidate because both sides are the same asset. This provides the stability long-term holders need.
High Capital Efficiency Needs
You need maximum LTV without liquidation risk. 95% LTV is nearly double what traditional lenders offer (50%), and you can access it without margin call or liquidation concerns.
Why it fits: If you need significant liquidity relative to your Bitcoin position, 95% LTV provides that while maintaining liquidation protection through BTC-to-BTC structure.
Common Use Cases That Fit
Investment Leverage
Borrow Bitcoin to invest in Bitcoin treasury companies (MSTR, Metaplanet) or other assets that typically outperform Bitcoin by 2-5x. If your investment beats Bitcoin's growth plus the 5% fee, you're ahead while keeping your original stack intact.
Business Capital
Use Bitcoin as collateral for business investments or opportunities without selling your original stack. Your Bitcoin position stays intact while you deploy capital into business ventures.
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.
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 for opportunities or needs.
If You're Still Not Sure
Ask Yourself:
- ✅ Are you a long-term Bitcoin holder (thinking in years, not days)?
- ✅ Do you want to eliminate liquidation and margin call risk?
- ✅ Do you have a clear strategy for deploying borrowed capital?
- ✅ Can you comfortably repay the loan in Bitcoin after 12 months (or roll it)?
- ✅ Do you prefer Bitcoin-only solutions over fiat exposure?
- ✅ Do you value predictable fees (5% upfront) over ongoing APR?
If you answered yes to most of these, BTC-to-BTC lending may be a good fit. If not, see who this is not for to explore alternatives.
Ready to Explore Whether This Fits?
Use our calculator to model your scenario, or request an introduction to discuss whether BTC-to-BTC lending aligns with your situation.
Important: Loan My Coins acts solely as an introducer. All loans and agreements are entered into directly with an independent loan provider. This page is for qualification purposes only. We do not provide financial advice.