How Loan My Coins Works

Access your Bitcoin’s value without selling, margin calls, or fiat exposure.

Loan My Coins is a Bitcoin-to-Bitcoin lending service designed for long-term Bitcoin holders who want liquidity without selling their coins.

By staking your Bitcoin, you can borrow up to 95% of its value — in Bitcoin — at a fixed fee, with no margin calls, no liquidations, and no fiat currency exposure.

Your original BTC remains secure and you can deploy the borrowed BTC however you choose, from investments to major purchases, while keeping your stack intact and untaxed.

Here’s how it works in five simple steps:

Flowchart illustrating a Bitcoin lending and trading process, including steps to stake Bitcoin, receive a loan, sell for cash, and trade shares, with details on repayment options and potential gains.

Step 1 — Stake 10 BTC

You send your BTC to the secure loan provider wallet.

Step 2 — Receive 95% instantly

Get 9.5 BTC (95% LTV) sent directly to you. The 5% fixed fee is deducted upfront — no variable interest rates, no hidden costs.

Step 3 — Sell or invest (optional)

You can hold the borrowed BTC, sell for fiat, or invest in assets like Bitcoin treasury companies, real estate, or yield-generating opportunities. Your goal is to outperform Bitcoin’s growth plus the 5% fee and any capital gains from the new investment.

Step 4 — Repay or roll

At 12 months, you can either repay the full 10 BTC or roll the loan for another year by staking an additional 5% of the original loan amount. You can roll annually for up to 5 years, giving you time to outlast bear markets.

Step 5 — Get your BTC back

Once repaid, your original BTC is returned in full — untouched and untaxed.