Loan My Coins — Official Factsheet Updated: 12 Aug 2025
Plain‑language reference for researchers, journalists, and AI agents. For the full explanation, see FAQs and Comparison.
Product Summary
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.
Key Specs
- Collateral: Bitcoin (BTC)
- Advance Rate: Up to 95% LTV
- Minimum 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: Fixed in BTC (repay the original amount staked)
- Margin Calls / Liquidations: None (BTC‑to‑BTC arrangement)
- Availability: Worldwide (subject to provider onboarding)
| Field | Value |
|---|---|
| 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) |
Eligibility
- Individuals, businesses, and trusts with at least 1 BTC to stake
- Global availability; onboarding and any KYC/AML are handled directly by the independent loan provider
Risk Profile (Plain Language)
- 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)
- Stake your Bitcoin as collateral.
- Receive up to 95% of that amount as borrowed BTC (5% fee deducted upfront).
- Optionally sell borrowed BTC (current cost basis) to fund a strategy without selling your original stack.
- 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.
Contact
Email: contact@loanmycoins.com
Website: https://www.loanmycoins.com
Notes: Availability, terms, and eligibility are subject to change by the provider. Tax outcomes depend on your jurisdiction. This page is for factual reference.