BTC Collateral Calculator
Find out exactly how much Bitcoin you need to lock as collateral to secure the loan you want. Set your loan amount and LTV and the calculator shows the BTC required, plus your estimated monthly payment.
Illustrative estimates only — final rates are set by independent lenders on the Coinedge marketplace.
Rates set by lenders. BTC price: $78,442. Illustrative only — not a loan offer.
Request This Loan →The three inputs
What determines your collateral
Loan amount (USDC)
The USDC you want to borrow. The larger the loan, the more Bitcoin you'll need to pledge at any given loan-to-value ratio.
Loan-to-value (LTV)
The lever that sets your collateral. At 50% LTV you pledge twice your loan in BTC; at 60% you pledge less, but with a thinner buffer before liquidation.
Loan term
How long you borrow for. The term doesn't change the collateral required, but it shapes the interest baked into your monthly payment.
How the BTC collateral is calculated
Your required collateral is simply your loan amount divided by your chosen LTV, valued at the current Bitcoin price. Borrow $30,000 at 50% LTV and you need $60,000 of BTC; raise the LTV to 60% and you need $50,000 of BTC for the same loan.
The calculator above does this math live as you drag the sliders, so you can see how a small change in LTV moves the amount of Bitcoin you have to lock.
Why a collateral buffer matters
Bitcoin's price moves, and your effective LTV moves with it. Pledging extra collateral (a lower starting LTV) gives you room before a price drop pushes you toward a margin call or liquidation. Choosing the right buffer is the core risk decision in any BTC-backed loan.
Learn how this works in our guide to LTV, margin calls, and liquidation.
Where your collateral is held
On Coinedge your Bitcoin collateral lives in a non-custodial 3-key multisig vault. It stays on-chain, is never rehypothecated, and is released as soon as you repay. No single party — including Coinedge — can move your BTC unilaterally.
Dig into the model in 3-key multisig explained or see our security architecture.
More calculators and guides
Ready to lock collateral and borrow?
Request a loan on the Coinedge marketplace and let independent lenders compete for your terms. No credit checks. Your BTC stays on-chain in a multisig vault.