Bitcoin-Backed Lending
Without Liquidation Risk

Get USDC liquidity against your Bitcoin through our trust-minimized cross-chain protocol. Perfect for miners and Bitcoin holders who want to HODL while accessing capital.

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Why Choose HODLFi?

No Liquidation Risk

Fixed-term loans with no margin calls. Hold your Bitcoin through any price volatility without fear of forced liquidation throughout the entire loan period.

Flexible LTV Ratios

Choose your own loan-to-value ratio based on your risk tolerance. Get up to 90% of your Bitcoin's value in USDC liquidity.

Non-Custodial Security

Keep full control of your Bitcoin through advanced Taproot smart contracts. No wrapped tokens, no custodial risk, pure self-custody.

0%

Liquidation Risk

90%

Max LTV Ratio

100%

Self-Custody

How It Works

Borrower

Request Loan

Submit loan request with desired USDC amount and LTV ratio

Lock BTC Collateral

Send BTC to Taproot address with time-lock conditions

Receive USDC

Get USDC loan amount on Ethereum after collateral verification

Repay Loan

Return USDC + interest before maturity to unlock BTC

Reclaim Bitcoin

BTC automatically unlocked after successful repayment

Lender

Provide Offer

Set lending terms: amount, interest rate, and duration

Lock USDC

Deposit USDC into escrow contract after matching

Verify Collateral

System confirms BTC collateral via SPV proof

Earn Interest

Verify Repayment

Ready to HODL and Borrow?

Be among the first to access trust-minimized Bitcoin-backed lending