Borrow Against Bitcoin
Without Selling It
Request USDC liquidity using BTC as collateral. Lenders review your request and propose their own terms. If you accept, BTC collateral is locked in a 3-key multisig vault and funding happens in USDC.
Keep Your Bitcoin
Your Bitcoin stays in a multisig vault throughout the loan. You keep full price exposure.
No Credit Checks
Your BTC is your credit. No income verification, employment check, or paperwork required.
24-Hour Decision Window
Once a lender proposes terms, you have 24 hours to accept or decline — no pressure.
Non-Custodial
Coinedge never holds your Bitcoin. It stays locked in a 3-key multisig vault you participate in.
Step by Step
How Borrowing Works
Submit Your Loan Request
Enter the USDC amount, your preferred term, and purpose. No collateral required at this stage. Your request is published to the Coinedge marketplace.
Loan requests are visible to participating lenders immediately.
Lenders Propose Terms
Participating lenders review your request and propose their own APR, repayment frequency, and conditions. Coinedge does not set pricing.
You may receive multiple competing proposals from different lenders.
Review and Accept or Decline
You have 24 hours to review each proposal. If you accept, the loan moves forward. No commitment until you explicitly agree.
You can review full term details including estimated interest before committing.
Steps 1–3 of 5
Real screenshots from the Coinedge platform
Requirements
What You Need to Borrow
Bitcoin
Enough BTC to meet the agreed LTV ratio (typically 50–65% LTV).
Wallet access
A Bitcoin wallet capable of participating in a multisig arrangement.
USDC wallet
A wallet address where your USDC proceeds will be delivered.
That's it
No credit score, no income verification, no employment paperwork.
Important Disclosures
What Borrowers Should Know
Coinedge is not the lender
Coinedge operates as a marketplace and collateral agent. All lending and rate-setting is done by independent lenders.
LTV risk is real
If Bitcoin's price drops significantly, your LTV may increase beyond agreed thresholds. You may need to add collateral or face liquidation.
Rates vary by lender
There is no guaranteed APR. Each lender independently sets their rate based on their own assessment.
Repayment in USDC
You repay principal plus accrued interest in USDC. Full repayment releases your BTC collateral.
Ready to Request a Loan?
Submit your Bitcoin-backed loan request in minutes. No credit check. No paperwork. Lenders set the terms.
Request a Loan