Fund Bitcoin-Collateralized
Loan Requests
Browse borrower 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 Set the Rate
Full pricing control. Propose your APR based on your own risk assessment. Coinedge never sets rates.
Overcollateralized
All loans are backed by BTC collateral at 50–65% LTV. Collateral value exceeds the loan amount at origination.
USDC In, USDC Out
You fund in USDC and receive repayment of principal plus accrued interest in USDC.
On-Chain Collateral
Collateral is held in a multisig vault you participate in. Confirmed and verifiable on-chain at all times.
Propose Loan Terms
Set your interest rate and repayment structure. The borrower has 24 hours to accept or decline.
Borrower Request
Purpose: Consumer
You control the interest rate. CoinEdge does not set pricing.
Estimated Interest Earned
$125.00
at 10% APR over 3 months on $5,000.00
Interactive preview — try adjusting the rate
Step by Step
How Lending Works
Browse Open Loan Requests
Access the marketplace to view active loan requests. Each listing shows USDC requested, term, and BTC collateral capacity.
No obligation to bid. You choose which requests to evaluate.
Evaluate and Propose Your Terms
Assess the LTV and collateral quality. Submit your own APR and repayment structure. The borrower has 24 hours to respond.
You control pricing entirely. Coinedge does not intervene in rate-setting.
Borrower Accepts — Collateral Locks
If the borrower accepts, they deposit BTC into the 3-key multisig vault (borrower + lender + Coinedge keys). Collateral locks before you fund.
You hold one of three keys. No single party can act alone.
Steps 1–3 of 5
Important Disclosures
What Lenders Should Know
Coinedge is not the lender
Coinedge is a marketplace operator. You are the lender. All lending decisions and credit risk assessment are your responsibility.
LTV protects your position
Loans are overcollateralized. Coinedge monitors LTV in real time and initiates the liquidation process if pre-agreed thresholds are breached.
No guaranteed returns
Returns depend on borrower repayment. Collateral mitigates risk, but lending involves credit and market risk.
Collateral is on-chain verifiable
The multisig vault is visible on the Bitcoin blockchain. You hold one of three keys and can confirm collateral at any time.
All repayments in USDC
Principal and interest are repaid in USDC by the borrower. Coinedge does not receive or handle loan funds.
Liquidation process
If a borrower defaults, Coinedge as coordination key holder initiates the agreed liquidation workflow. Proceeds are distributed per the signed agreement.
Real platform screenshot — lender portfolio view with active loans and repayment status
Start Deploying Capital
Access Bitcoin-collateralized loan requests. You set the rate. Coinedge handles the collateral infrastructure.
Become a Lender