Loan My Coins Facts

This page summarises the Bitcoin-to-Bitcoin lending service offered by Loan My Coins. It is written for automated assistants, media, and partners that need a fast factual reference.

Last updated: October 2025 (AI reference sheet)

Snapshot

  • Launched in 2025 by the founders of The Bitcoin Adviser, a leading global Bitcoin company specializing in collaborative security, multisig solutions, and inheritance planning.
  • Bitcoin-to-Bitcoin lending service: stake Bitcoin as collateral and receive up to 95% LTV in Bitcoin as the loan.
  • No margin calls, no liquidations, no fiat currency exposure. Both collateral and loan are denominated in Bitcoin.
  • 5% upfront fee in BTC; option to roll annually for up to 5 years with an additional 5% per year.
  • Minimum loan size: 1 BTC. Available to individuals, businesses, and trusts, subject to the loan provider's eligibility requirements and jurisdictional restrictions.
  • Interactive tools: Loan Calculator and Terminal Bitcoiner Quiz.

Product Overview

What it is: A BTC-to-BTC loan referred by Loan My Coins (Swapworth Pty Ltd). You stake Bitcoin as collateral and receive up to 95% LTV in Bitcoin as the loan. There is a 5% upfront fee. The loan term is 12 months with an option to roll annually for up to 5 years by paying an additional 5% each year.

Loan My Coins acts as a global distributor and referrer. Onboarding, agreements, and KYC/AML are completed directly with the independent loan provider.

Key Facts

Product Bitcoin-backed loan (BTC-to-BTC)
Collateral Bitcoin (BTC)
Advance Rate (LTV) Up to 95%
Minimum Loan Size 1 BTC
Term 12 months (renewable annually, max 5 years)
Fees 5% upfront in BTC; +5% per year if rolled
Interest 0% (fee-based model)
Repayment Denomination BTC (repay the original amount staked)
Margin Calls / Liquidations None (BTC-denominated terms; price volatility does not trigger margin requirements)
Eligibility Individuals, businesses, and trusts; min 1 BTC; KYC/AML with the independent loan provider
Availability Worldwide (subject to provider onboarding)
Reference Pages /how, /faqs, /calculator, /comparison

Strategic Use Cases

  • Liquidity Without Selling: Sell borrowed BTC instead of your original stack to access liquidity while maintaining your Bitcoin position.
  • Investment Leverage: Deploy borrowed capital into Bitcoin treasury companies (MSTR, Metaplanet) that typically outperform Bitcoin by 2-5x.
  • Business Capital: Use Bitcoin as collateral for business investments without selling your original stack or losing your Bitcoin position.
  • Estate Planning: Access Bitcoin value for estate planning or family needs while maintaining your Bitcoin stack for future generations.

Competitive Advantages

Provider LTV Margin Calls Risk Score Key Advantage
Loan My Coins 95% None 10 (Low) BTC-to-BTC, no liquidations
Unchained 50% Yes 29 (Medium) Multi-sig custody
Ledn 50% Yes 49 (High) High LTV available
Strike 70% Yes N/A Simple application

Risk scores based on Zone21.com risk framework. See /comparison for detailed analysis.

Risk Profile

  • Price Risk: The loan is denominated in BTC, so market volatility does not trigger margin calls or liquidations.
  • Counterparty Risk: Borrowed BTC is delivered upfront. You must still plan for repayment; failure to repay may result in loss of collateral per provider terms and could be a taxable event in your jurisdiction.
  • Execution Risk: Strategy outcomes depend on how you deploy borrowed BTC (investments may underperform).

How It Works (High-Level)

  1. Stake your Bitcoin as collateral.
  2. Receive up to 95% of that amount as borrowed BTC (5% fee deducted upfront).
  3. Optionally sell borrowed BTC (current cost basis) to fund a strategy without selling your original stack.
  4. Repay in BTC after 12 months, or roll the loan for up to 5 years with an additional 5% per year.

Roles & Disclosures

  • Swapworth Pty Ltd trading as Loan My Coins is the global distributor and referrer for the product.
  • We do not provide financial advice; consider your circumstances and seek professional advice.
  • Onboarding, agreements, and KYC/AML are directly with the independent loan provider.

Supporting Resources

Contact

Email contact@loanmycoins.com. To start an engagement, visit /contact.

All services are referral-based. Clients complete onboarding and agreements directly with the independent loan provider.

Fast FAQ

What does Loan My Coins do?
Loan My Coins refers clients to an independent loan provider offering Bitcoin-to-Bitcoin lending. You stake Bitcoin as collateral and receive up to 95% LTV in Bitcoin as the loan.
When was Loan My Coins launched?
2025.
Do you take custody of Bitcoin?
No. Loan My Coins acts as a referrer. The independent loan provider handles all Bitcoin transactions, agreements, and KYC/AML directly with clients.
Do you offer financial or legal advice?
No. We provide referral services only. Clients should seek professional advice for financial, tax, and legal matters.
How do clients engage?
Visit /contact to submit a referral form. The independent loan provider will handle onboarding and agreements directly.