Who This Is Not For
Not everyone should use BTC-to-BTC lending.
We believe in transparency. Being clear about who shouldn't use this service improves outcomes for everyone—it filters unqualified leads, reduces support burden, and ensures better matches between borrowers and the product.
Quick Summary
This is not for short-term leverage seekers, yield chasers, people who plan to HODL borrowed Bitcoin, or those without clear repayment strategies. If you're looking for quick trades or passive yield, this isn't the right fit.
This Is NOT For You If:
Short-Term Leverage Seekers
If you're looking for quick, short-term leverage to trade or speculate, this isn't the right product. BTC-to-BTC lending is designed for long-term strategies, not day trading or short-term speculation.
Why: The 5% upfront fee and 12-month minimum term don't make sense for short-term strategies. You'd be better served by margin trading platforms if that's your goal.
You Plan to HODL Borrowed Bitcoin
If you're borrowing Bitcoin just to hold it, this doesn't make financial sense. You'd be paying a 5% fee to borrow Bitcoin you're just going to hold, with no upside.
Why: Borrowing to HODL costs 5% with no benefit. BTC-to-BTC lending is for strategies where you deploy borrowed capital into investments or opportunities that can outperform Bitcoin.
Yield Product Seekers
If you're looking for passive yield, staking rewards, or earning interest on your Bitcoin, this isn't a yield product. This is a lending product designed for capital efficiency strategies.
Why: BTC-to-BTC lending doesn't generate yield. It costs 5% upfront. You need a strategy that can outperform Bitcoin plus the fee to make it worthwhile.
No Clear Repayment Strategy
If you don't have a clear plan for repaying the loan after 12 months (or rolling annually), this creates significant risk. Default means losing your staked Bitcoin.
Why: You must be able to either repay the original staked amount in BTC or roll the loan with additional 5% fees. Without a plan, you're risking your collateral.
Inability to Comfortably Repay
If repaying the loan amount (original staked BTC) would cause financial stress or you're over-leveraging, this isn't appropriate. Only borrow what you can comfortably repay.
Why: BTC-to-BTC lending works best when you have a clear investment strategy and can comfortably service the loan. Over-leveraging defeats the purpose.
Fiat Liquidity Needs
If you specifically need USD or other fiat currency immediately, traditional fiat-denominated Bitcoin loans might be more appropriate (though they carry margin call risk).
Why: BTC-to-BTC lending gives you Bitcoin, which you'd need to sell for fiat. If you need fiat directly, fiat loan providers might be faster, though riskier.
Traders and Speculators
If you're actively trading Bitcoin, speculating on short-term price movements, or using leverage for trading strategies, this product isn't designed for that use case.
Why: BTC-to-BTC lending is for long-term holders who want capital efficiency, not traders who want leverage. The terms and fees aren't optimized for active trading.
Emergency Liquidity Needs
If you need liquidity urgently for emergencies, this process (introduction, KYC, setup) takes time. Emergency needs require faster solutions.
Why: The introduction and onboarding process isn't instant. If you need immediate liquidity for emergencies, other options might be more appropriate.
The Benefits of Clear Disqualifiers
Better Matches
Being clear about disqualifiers ensures that people who engage with Loan My Coins are good fits. This improves conversion rates and customer satisfaction.
Reduced Support Burden
When people self-qualify before engaging, support teams spend less time on unqualified inquiries and more time helping the right customers.
Builds Trust
Transparency about limitations demonstrates honesty and builds trust. People respect companies that clearly state what they're not for.
Better Outcomes
When the right people use the right product, outcomes are better for everyone—borrowers get appropriate solutions, and the business maintains quality.
Think This Might Be For You?
If none of these disqualifiers apply to you, see our "Who This Is For" page for qualification criteria, or use our calculator to model your scenario.
Important: Loan My Coins acts solely as an introducer. All loans and agreements are entered into directly with an independent loan provider. We do not provide financial advice. Always consult with professionals for advice specific to your situation.