Coinedge.
Security Architecture
Designed So No One Party
Can Act Alone
Coinedge coordinates the marketplace and acts as collateral agent — but Bitcoin stays secured through a 3-key multisig vault. Coinedge, the lender, and the borrower each hold one key. All three are required to move funds.
3-of-3 Multisig
Three keys. Every collateral release requires all three.
Each loan is backed by a unique multisig address on the Bitcoin blockchain. The vault requires all three co-signatories to approve any movement of funds. There is no override.
01
Borrower Key

Generated and held by the borrower. Coinedge never sees or stores this private key. Loss of this key is irrecoverable.

02
Lender Key

Held by the participating lender. Released only after full loan repayment has been confirmed.

03
Coinedge Coordination Key

Held by Coinedge as collateral agent. Used only to enforce agreed loan terms — cannot act alone.

Multisig Vault

Bitcoin Mainnet

Secured
B

Borrower signs

sig: 0x4a3f...b82c

L

Lender signs

sig: 0x9d1e...4a77

C

Coinedge signs

sig: 0x2f8a...e031

Transaction broadcast

3 of 3 signatures confirmed → collateral released

Publicly verifiable on the Bitcoin blockchain
Real-time LTV monitoring showing collateral health and safe zone indicator

Real screenshot — live LTV monitoring

Real-Time Protection
Continuous LTV monitoring. For both sides.
Bitcoin's price changes constantly. Coinedge monitors collateral value in real time and alerts both borrowers and lenders when LTV approaches pre-agreed thresholds.

Live price feeds

BTC price is tracked continuously from multiple sources to calculate current LTV.

Threshold alerts

Both parties receive alerts when LTV approaches margin call thresholds set in the original agreement.

On-chain confirmation

Collateral deposits are confirmed on the Bitcoin blockchain before any USDC is released.

Safe zone indicators

Portfolio dashboards display clear Safe / At Risk / Margin zones for borrower awareness.

Non-Custodial by Design
What Coinedge cannot and does not do
✗

Move your BTC without all 3 key signatures

✗

Access or store your private keys

✗

Rehypothecate or re-lend collateral

✗

Set or influence interest rates

✗

Receive or hold loan funds

✗

Act as a lender in any loan on the platform

Security Checklist
Built-in protections at every step

Unique multisig per loan

Each loan has its own unique multisig address. Vaults are never shared between borrowers.

Collateral confirmed before funding

Lenders only send USDC after BTC collateral is confirmed on-chain. No trust required.

Public blockchain verification

Anyone can verify collateral deposits and releases on the Bitcoin blockchain at any time.

24-hour decision windows

Both parties have explicit time windows at each critical stage — no surprises or snap decisions.

Pre-agreed liquidation terms

Liquidation thresholds and procedures are agreed at loan origination, not set unilaterally.

Coinedge never touches loan funds

USDC flows directly between lender and borrower wallets. Coinedge has no custody of loan proceeds.

Ready to experience non-custodial lending?
Browse open loan opportunities or request your own BTC-backed loan on the Coinedge marketplace.
Request a Loan →Become a Lender