BTCLOAN Launches: The Bitcoin-Backed Lending Marketplace That Puts Borrowers First

Global availability  ·  Institutional lenders  ·  Borrower-first transparency

AT A GLANCE

• BTCLOAN is live globally, offering Bitcoin-backed loans to borrowers in every jurisdiction outside sanctioned countries - no geographic restrictions, no exceptions.
• Repeat borrowers who maintain a clean repayment record can progressively unlock better terms up to 70% LTV, making Bitcoin loans without selling a smarter strategy with every cycle.
• Support runs around the clock - plain-language WhatsApp margin alerts well before any liquidation threshold, 24/7 live chat, and scheduled video calls on request.

For Bitcoin holders, the question has never really been should I borrow against my BTC? It’s been: who can I actually trust with my coins when the market drops 30% overnight?

BTCLOAN is built to answer that question - by refusing to compete on rate alone. The lender that wins the next decade will be the one borrowers trust during the worst week of the cycle. That’s the category BTCLOAN is building.

How BTCLOAN Works - and Why It’s Different

BTCLOAN connects digital-asset holders with a vetted network of institutional lenders - including Tether, Galaxy, Antalpha, Arch Lending, and EquitiesFirst. Each lender is held to strict risk-management standards and regulated custody requirements. Borrowers see live, competitive terms from multiple lenders side by side, then choose. There’s no opaque pricing or house edge.

Bitcoin-backed loans through BTCLOAN are disbursed in USD or USDT. Accepted collateral spans BTC, ETH, XRP, SOL, and a growing basket of blue-chip digital assets including XAUT, XDC Network, HYPE, and DEXE. Standard LTV ranges from 65% to 70%.

Dynamic LTV: A Credit Score for Bitcoin Borrowers

BTCLOAN is introducing a dynamic LTV model - one of the first of its kind in Bitcoin-backed lending. Borrowers who maintain a clean repayment history and strong on-chain behaviour can progressively unlock better terms, up to 70% LTV. Real-time risk controls continuously assess collateral health, market volatility, and repayment patterns - functioning, in effect, as a credit score built natively for crypto. 

Bitcoin loans without selling your holdings means your long-term position stays intact while your borrowing terms improve over time.

Trust Architecture: Transparent by Design

The basic lesson from the last market cycle is that trust is the product itself. BTCLOAN is built around a set of structural safeguards:

• Enterprise-grade custody with transparent, publicly verifiable proof-of-reserves.
• Plain-language loan terms with no buried clauses, no fine print.
• Automated KYC and KYB with biometric identity verification and real-time fraud detection, protecting both borrowers and lenders.
• Multi-stage margin warnings via WhatsApp in plain language, well before any liquidation threshold.
• Borrower education on the tax treatment of borrowing vs. selling - because a loan is not a taxable event, and most holders are never clearly told that.

White-Glove Support, Built for Humans

Bitcoin moves 24/7 - and so does the BTCLOAN support team. Borrowers have access to live chat, scheduled video calls, and round-the-clock human support. The platform is English-first, mobile-first, and designed to feel like a modern banking app rather than a DeFi protocol.

The Gap BTCLOAN Was Built to Fill

Hundreds of millions of Bitcoin holders still have no straightforward path to liquidity without selling. Bitcoin loans without selling holdings have historically been opaque, geographically restricted, or structurally fragile - a problem made worse by the reputational damage of platforms that prioritised growth over governance. 

BTCLOAN enters this market with global reach, transparent infrastructure, and a model that’s structurally aligned with the borrower rather than against them.

Early traction: BTCLOAN has already facilitated over $200 million in Bitcoin-backed loan volume. Repeat borrower rates are the primary indicator we track because when trust is the product, return business is the proof.

The next decade of Bitcoin-backed lending will be decided by trust - the kind that holds when BTC drops 30% in a single night. BTCLOAN is built for exactly that moment.

Keep your Bitcoin. Access the liquidity. On terms you can actually read.

Learn more at btcloan.com

IMPORTANT NOTICE

This press release is for informational purposes only and does not constitute an offer, solicitation, or recommendation to buy, sell, or hold any financial product, security, or digital asset. Bitcoin-backed loans involve significant risk, including the risk of collateral liquidation during periods of high market volatility. Loan availability, terms, LTV ratios, and supported collateral types may vary by jurisdiction and are subject to change. BTCLOAN operates as a marketplace connecting borrowers with third-party institutional lenders; BTCLOAN itself is not a lender, a licensed financial institution, or an investment adviser. All lenders on the platform are independent entities subject to their own regulatory frameworks. Statements regarding tax treatment are general in nature and do not constitute tax advice; users should consult a qualified tax professional in their jurisdiction. Past loan volume and repeat borrower metrics are not guarantees of future performance.