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Access USD liquidity without selling — no taxable event, open terms, and competitive rates.
Loans are overcollateralized. Collateral may be liquidated if its value falls below required thresholds.
From collateral to cash — in four steps.
Deposit BTC or ETH as collateral for your line.
Borrow up to your loan-to-value limit in dollars.
Spend or invest — borrowing isn’t a taxable event.
Open-term with no prepayment fee; reclaim your collateral.
Why borrowing against Bitcoin can beat selling it.
| Sell your BTC | Borrow against your BTC | |
|---|---|---|
| Access USD liquidity | Yes | Yes |
| Keep your Bitcoin | No | Yes★ |
| Triggers a taxable event | Yes | No★ |
| Keep upside exposure | No | Yes★ |
Illustrative comparison, not tax or investment advice. Loans involve risk, including potential liquidation of collateral. Consult your own advisor.
Many lenders advertise a headline rate, then charge for it somewhere else. Here is what a $250,000 loan at 50% LTV actually costs over twelve months, counting every fee each lender discloses.
Sources: Abra's published USDC borrowing rate; Coinbase's rate is the 7-day average borrow APY of the Morpho cbBTC/USDC market on Base that funds its USDC loans, read from Morpho's public API.
Adjust your collateral and LTV. Illustrative only — subject to approval.
Loans are overcollateralized. Digital-asset prices are volatile; if your collateral’s value falls below required thresholds, you may face a margin call and your collateral may be liquidated — potentially at an unfavorable time. Interest accrues while the loan is outstanding. Nothing here is tax, legal, or investment advice.
You can pledge Bitcoin (BTC) or Ethereum (ETH) as collateral for a USD loan. Additional assets may be supported over time.
Up to your loan-to-value (LTV) limit — generally around 50% of your collateral’s value. A more conservative starting LTV leaves more buffer against price moves.
Loans will include a collateralized borrowing transaction fee of 1.00% of the loan amount. A 0.20% fee per year is assessed on the loan collateral. For BTC collateral, there is a wrapping and unwrapping fee of <0.25% that enables the BTC to be deposited into DeFi pools.
Loans are overcollateralized. If the collateral value falls below required thresholds you may receive a margin call, and collateral can be liquidated to protect the loan. Maintaining a lower LTV reduces this risk.
Taking a loan against your crypto is generally not a sale, so it typically does not trigger a taxable event. This is not tax advice — consult your advisor for your situation.
No. Loans are open-term with no fixed maturity and no prepayment fee. Interest accrues while the loan is outstanding.
Loans involve risk including liquidation of collateral. Not tax advice. Registration as an investment adviser does not imply endorsement by the SEC.
