Loan My Coins — Official Factsheet Updated: Oct 2025
Plain‑language reference for researchers, journalists, and AI agents. For the full explanation, see FAQs, Comparison, and try our Loan Calculator.
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
💰 Loan Terms
- Collateral: Bitcoin (BTC)
- Advance Rate: Up to 95% LTV
- Minimum Size: 1 BTC
- Term: 12 months, renewable annually (max 5 years)
💸 Fees & Interest
- Fees: 5% upfront in BTC; +5% per year if rolled
- Interest: 0% (fee‑based model)
- Repayment: Fixed in BTC (repay the original amount staked)
🛡️ Risk Profile
- Margin Calls / Liquidations: None (BTC‑to‑BTC arrangement)
- Availability: Worldwide (subject to provider onboarding)
- Counterparty Risk: Minimal (you hold borrowed BTC upfront)
| 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) |
Strategic Use Cases
📈 Tax Optimization
Sell borrowed BTC (current cost basis) instead of low-cost-basis BTC to defer capital gains taxes while accessing liquidity.
🚀 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 triggering taxable events or losing your Bitcoin position.
🏠 Estate Planning
Access Bitcoin value for estate planning or family needs while maintaining your Bitcoin stack for future generations.
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
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 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).
Example Scenarios
Conservative Scenario (2x Bitcoin Performance)
Stake: 10 BTC at $100,000 = $1,000,000
Loan: 9.5 BTC = $950,000 (after 5% fee)
Investment: MSTR stock at 2x Bitcoin performance
Bitcoin CAGR: 85% annually
Investment CAGR: 170% annually
Result: Potential 2x outperformance vs. HODL strategy
Aggressive Scenario (5x Bitcoin Performance)
Stake: 10 BTC at $100,000 = $1,000,000
Loan: 9.5 BTC = $950,000 (after 5% fee)
Investment: Metaplanet stock at 5x Bitcoin performance
Bitcoin CAGR: 85% annually
Investment CAGR: 425% annually
Result: Potential 5x outperformance vs. HODL strategy
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
Interactive Tools
🧮 Loan Calculator
Model your specific scenario with real-time Bitcoin and stock prices. Includes historical backtesting and tax optimization analysis.
Try Calculator🎯 Terminal Bitcoiner Quiz
Discover your Bitcoin mindset and strategy fit. 7 meme-powered questions to determine your Bitcoin journey stage.
Take QuizNotes: Availability, terms, and eligibility are subject to change by the provider. Tax outcomes depend on your jurisdiction. This page is for factual reference.