Reached Terminal Bitcoin?
Borrow in Bitcoin. Keep Your Stack.
Keep your Bitcoin.
Borrow Bitcoin.
Stay sovereign.
Bitcoin denominated liquidity for conviction HODLers, with 95% LTV, a 5% fixed fee, no margin calls, and no forced liquidations.
Built for Terminal Bitcoin holders · Bitcoin only by design
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.
What is Terminal Bitcoin?
Model your scenario
Example: deposit 10 BTC, receive 9.5 BTC after the fixed 5% fee, use the borrowed BTC for 12 months, then repay 10 BTC to reclaim your original collateral.
Loan My Coins acts solely as an introducer. All loans and agreements are entered into directly with an independent loan provider.
All loans are arranged directly with the independent provider. Loan My Coins introduces the opportunity; you remain responsible for the decision.
The Bitcoin Only Advantage
For Bitcoiners who have been waiting for this exact structure.
- Designed to Reduce Counterparty Exposure: Because the loan is Bitcoin for Bitcoin, you receive the borrowed BTC up front. That reduces the lender failure scenario common in fiat loan structures, where the borrower may be left holding fiat exposure.
- 95% LTV: Deposit 10 BTC, receive 9.5 BTC after settlement. 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.
- Multisig aligned: Works alongside your existing multisig or collaborative custody setup.
- 1 Bitcoin Minimum: Built for serious HODLers to tap into significant BTC value.
How the Risk Profile Differs
You deserve to know how this differs from fiat backed loans.
Fiat backed loans
- Forced selling and margin call risk
- Counterparty leaves you holding fiat
- Volatility can trigger liquidation
Loan My Coins
- You receive BTC up front
- Collateral stays in your control or collaborative multisig
- BTC for BTC: both sides move together
Our Bitcoin for Bitcoin loan model is designed for a lower risk structure, with no counterparty exposure after you receive your borrowed BTC, no margin calls, and full user control. Check out the loan calculator.
We 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. View the full risk profile and factsheet.
Curious how we compare? Check out our comparison page for a detailed breakdown. Always do your own research and verify the details.
Who This Is Not For
Loan My Coins is purpose built for a specific type of Bitcoiner. It may not be the right fit if:
- You are looking for short term leverage or trading capital
- You plan to HODL or speculate with the borrowed Bitcoin
- You would be uncomfortable repaying the loan in full
- You are seeking yield generating or DeFi style products
We intentionally designed Loan My Coins for long term holders who value sovereignty and capital preservation above all else.
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 while reducing the counterparty and forced sale risks I worried about. 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 basis Bitcoin to build their stack."
Loan Against Your Bitcoin, the Right Way
Zero Satoshis Lost
Since 2016, The Bitcoin Adviser has designed thousands of collaborative security vaults with zero satoshis lost.
Multisig expertise
Backed by The Bitcoin Adviser's multisig and inheritance planning experience.
Full risk profile
If you hold Bitcoin seriously, you have probably asked: how can I access liquidity without selling or trusting a fiat lender?
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 helps you access your Bitcoin's value without relying on a traditional fiat lender or liquidation based structure.
Your stack stays under your control, secure for the long haul, while you seize opportunities today. With Loan My Coins, we are applying The Bitcoin Adviser's custody and operational experience to a Bitcoin only liquidity problem.
Ready to explore whether this makes sense for you?
Start with the calculator or request a private introduction to discuss your situation.
Continue exploring Loan My Coins
Ask product and onboarding questions
A dedicated AI guide for understanding the Loan My Coins process, documentation, and onboarding steps. It does not provide financial advice or price predictions.
Open the GPTIntroduce serious Bitcoin holders
Earn 10% lifetime revenue share by introducing suitable clients to Loan My Coins through The Bitcoin Adviser referral program.
Learn about referralsImportant: Loan My Coins is an introducer only. All loans and agreements are entered into directly with an independent loan provider. This page is not financial advice. Terms and conditions apply. Read terms · View facts. Do your own research.