Reached Terminal Bitcoin? Now Put It To Work.
Unlock BTC for BTC liquidity at 95% LTV with no margin calls and no fiat exposure. Built for HODLers who never sell.
95% Lend
Example, deposit 10 BTC, receive 9.5 BTC instantly—0.5 BTC fee upfront, clear terms, your BTC remains yours.
5% Fixed Rate
Low, predictable cost—access value now, preserve your long-term position.
No Counterparty Risk
Your loan is secured by your own Bitcoin, not third parties. Full control, full confidence.
No Margin Calls
Market swings don’t force liquidation. Your stack stays intact, always.
1 Bitcoin Minimum
Built for serious HODLers—tap into significant BTC value with ease.
Loan Calculator
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. Use the Loan Calculator here.
Contact Us to Learn More
What is Terminal Bitcoin?
“Terminal Bitcoin is the point where you’ve sold everything you own to buy more, spent all your savings, and stacked every sat you can. You’ve reached the limit of accumulation. At that stage, the only way to meaningfully grow your position is by responsibly leveraging the Bitcoin you already hold.”
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, 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.
Testimonials
"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"
— Bitcoiner
“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."
— HODLer
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' is a GPT designed to assist you with loan-related inquiries, specialising in explaining details about the loan my coins product and the onboarding process.
It provides detailed guidance on each step of the onboarding journey, from reviewing agreements to setting up the loan.
* It refrains from giving financial advice or making price predictions and focuses solely on loan my coins specific processes and services. Now widely available to all ChatGPT users.