Get instant liquidity using your Bitcoin as collateral, with an initial LTV of up to 50%, without selling your BTC.
Simulate how much you would receive and what collateral you need. The calculation is illustrative and depends on the market and your Space Center level.
Initial LTV
50%
Margin call from
75%
Liquidation
85%
Bitcoin is the most liquid and recognized crypto collateral. Using BTC lets you access liquidity without giving up the store-of-value position it represents.
Many investors prefer Bitcoin-backed loans because it combines high market cap with broad acceptance as collateral.
If you don't have Bitcoin (BTC) yet, you can Buy Bitcoin (BTC) on Bit2Me.
The initial LTV for Bitcoin is 50%. If your collateral value drops and LTV exceeds 75%, a margin call may be triggered. From 85% onward, collateral liquidation may occur.
Example: for a €5,000 loan at 50% LTV, you would need roughly €10000 worth of BTC as collateral at the current price of Bitcoin (BTC).
Illustrative example at 50% LTV and €5,000 loan: you would need roughly 0.12 BTC if price is around €85,000. Check the current price of Bitcoin (BTC) for the exact real-time calculation.
Simulate the amount you need, select BTC as collateral and choose the borrowable asset you want to receive (USDC or EURC).
Review APR, required collateral and apply from the Bit2Me app. You can repay whenever you want, with no mandatory fixed term.
After applying, monitor LTV in the app. If the market moves against you, add more BTC collateral or repay part of the loan to avoid a margin call.
Cover an emergency or property down payment without selling BTC during a cycle you consider undervalued.
Receive EURC or USDC to diversify without closing your Bitcoin position, keeping exposure to the sector store of value.
Fund a market opportunity (spot buy, rebalance) using BTC as collateral while waiting to recover fiat liquidity.
Related use cases: Crypto loan: liquidity without selling your portfolio, Crypto loan for the entry of your home, Crypto loan to rebalance your portfolio.
See also Bitcoin, View all collateral assets and Space Center.
Bitcoin offers superior market depth and liquidity versus many other assets, making it easier to calculate and maintain a stable LTV under normal market conditions.
Bitcoin is less volatile than many altcoins but still faces drawdowns. In 20–30% corrections, LTV can approach margin call levels if you do not monitor the position.
BTC and ETH are the most used collaterals on Bit2Me Loan. Current initial LTV is 50% for Bitcoin and 50% for Ethereum — choose based on volatility and goals.
| Aspect | Bitcoin (BTC) | Ethereum (ETH) |
|---|---|---|
| Initial LTV | 50% | 50% |
| Market liquidity | Very high — industry benchmark | Very high — second by market cap |
| Typical volatility | Moderate; usually less than altcoins | Moderate-high; more sensitive to DeFi cycles |
| Typical use profile | Store of value and long-term HODL | Smart-contract network and DeFi exposure |
For maximum historical liquidity and collateral acceptance, Bitcoin is often the more conservative choice. Ethereum fits better if your portfolio is tied to the on-chain ecosystem.
Here you see conditions for using Bitcoin (BTC) as collateral. On the Bit2Me Loan home you get the full product: benefits, features, simulator and risk transparency.
Space Center is our tier program: the more you use the platform, the higher your level and the bigger the automatic discount on your loan interest.
Discount by level
It depends on the requested amount and initial LTV (50%). Bit2Me Loan calculates the required BTC based on real-time market price.
Yes. Once you repay the loan plus accrued interest, you regain full access to your BTC collateral.
If LTV exceeds risk thresholds, you may receive a margin call. If liquidation LTV (85%) is reached, part or all of your BTC collateral may be executed.
You can receive liquidity in USDC or EURC, subject to availability. The simulator shows up-to-date conditions for each borrowable asset.
APR depends on the borrowable asset, interest payment mode and your Space Center level. Use the simulator to see the rate for your case.
Because of its liquidity, market cap and global acceptance as a reserve asset. This reduces friction when calculating collateral and managing liquidation risk.
It depends on initial LTV (50%) and euro price. At 50% LTV you need collateral worth ~€20,000 in BTC; the simulator converts that amount using the current quote.
Yes. Cancel anytime by paying outstanding principal plus accrued interest. There is no early repayment penalty; the simulator shows the estimated total based on term and interest mode.
Total combines requested principal, interest at your APR (mode and Space Center) and simulated term. Illustrative example: €5,000 over 12 months at 10% APR ≈ €5,500 reference; use the simulator for your case with BTC as collateral.
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