Bitcoin-Backed Loans.
Structured as a Marketplace.
Borrow against BTC or fund overcollateralized loans through non-custodial multisig infrastructure and USDC liquidity.
Coinedge is a marketplace. Lenders set terms. Collateral remains on-chain.
Rates set by lenders. BTC price: $78,442. Illustrative only — not a loan offer.
Request This Loan →Built for both sides of Bitcoin credit
One marketplace. Two ways to participate.
For Borrowers
Unlock USDC liquidity without selling Bitcoin
Request a loan amount, let lenders compete for your business, and receive USDC when you agree on terms. Your BTC stays locked in a multisig vault — never touched by Coinedge.
- No credit check — Bitcoin is your credit
- 24-hour window to accept or decline
- BTC collateral locked in 3-key multisig
- Repay in USDC, get your BTC back
For Lenders
Review BTC-collateralized requests and set your own terms
Browse open loan requests, evaluate LTV and collateral quality, and propose your own interest rate. You fund in USDC. Coinedge manages the collateral and enforces the agreed terms.
- You control the interest rate — Coinedge does not
- Overcollateralized BTC positions at 50–65% LTV
- USDC in, USDC repaid
- On-chain collateral verifiable at all times
Borrower Journey
Five steps from request to funded USDC
Request a loan
Submit your USDC amount and term. No collateral required yet. Your request goes live on the marketplace.
Review lender offers
Lenders propose their own APR and terms. You have 24 hours to review and accept or decline.
Lock BTC in multisig
Accept a proposal, then deposit BTC into the 3-key multisig vault. Coinedge confirms on-chain.
Receive USDC
The lender funds your wallet in USDC within 24 hours of collateral confirmation.
Repay in USDC
Repay principal plus interest in USDC. All three key holders co-sign release of your BTC.
Real platform screenshot — borrower reviewing a lender's proposed terms
Real platform screenshot — lender browsing open loan requests
Lender Journey
Five steps from browsing to repayment
Review loan requests
Browse open requests. Each listing shows USDC requested, LTV, term, and repayment currency.
Set your own terms
Propose your APR and repayment structure. Coinedge does not set or influence pricing.
Fund in USDC
Once borrower accepts and BTC is confirmed on-chain, you fund the agreed USDC amount.
Monitor repayment
Track loan status, repayment schedule, and collateral LTV from your lending dashboard.
Collateral released after repayment
On full repayment, all three key holders co-sign collateral release. Your USDC is returned plus interest.
Live Marketplace
Real BTC-Backed Loan Listings
Browse open requests, review collateral and LTV, and propose terms directly on the platform.
Security Architecture
Non-custodial. On-chain. Verifiable.
3-Key Multisig
Every loan uses a unique 3-of-3 multisig address on the Bitcoin blockchain.
No Single Party Controls
The borrower, lender, and Coinedge each hold one key. All three are required to move funds.
Publicly Verifiable
Anyone can verify collateral deposits and releases on the Bitcoin blockchain at any time.
Real-Time LTV Monitoring
Coinedge monitors collateral value continuously. Both parties are alerted at pre-agreed thresholds.
Coinedge Never Holds Funds
USDC flows directly between lender and borrower wallets. Coinedge has no custody of loan proceeds.
Pre-Agreed Liquidation Terms
Liquidation thresholds and procedures are agreed at loan origination — never set unilaterally.
Ready to use Bitcoin as collateral?
Request a loan or browse open opportunities on the Coinedge marketplace.