bitcoin backed loan in minutes.minutes or less
Apply once. Get funded fast.
No paperwork, no credit checks, no waiting. Tell us how much you want, confirm, and the cash is in your account — usually within minutes.
Get the best bitcoin backed loan in minutes.
Get the cash you need without giving up your bitcoin. Simple, transparent loans backed by the asset you already own.
—%Best rate today
Non-custodial. Your keys, always.
No KYC. Privacy first.
Receive funds in under 30 minutes.The fastest and cheapest self-custody loans.
Get Your Loan%
lowest APY
The best rate, always.
We monitor every major bitcoin-backed lender in real time and put you in the one with the lowest rate. You see exactly what you'll pay before you confirm.
custody risk
Your bitcoin stays yours.
We never take possession of your bitcoin. It sits in a contract you can verify any time — and is returned the moment your loan is repaid.
$10B
in available liquidity
The most liquid loan marketplace
We tap directly into the deepest, most-audited lending markets in the world. That scale is what guarantees you the lowest rate today — and tomorrow.
Get Your LoanBacked by
01
Send your bitcoin.
Connect your wallet, set how much USDC you want, and lock your BTC as collateral. Your keys never leave your hands — bitcoin moves directly into the lending market you control.
02
Receive stablecoins.
Sign once. We bundle the routing, deposit, and borrow into a single on-chain transaction at the cheapest rate available. USDC arrives in your wallet in minutes.
03
Manage your loan.
Watch your position in real time. Add more BTC, pay down your loan, or close it whenever you want. You stay in control from start to finish.
Trusted by people who want more from their Bitcoin.
“Clean product. No unnecessary steps, no confusing terminology. You can see exactly what you’re getting before you confirm anything — net APR, LTV, liquidation price.”
Paul Taylor
Angel Investor, ex-BlackRock
“I’d been putting this off for a while because I assumed borrowing against Bitcoin would be complicated. It wasn’t. Connected my wallet, picked a rate, had USDC the same day. Wish I’d done it sooner.”
Lauren Lee
Binance, Business Development
“Sats Terminal enabled a loan on my BTC in under 10 mins at the best rate I could find. Product is fast and transparent. Great for Bitcoin-native users who want to keep control of their assets the whole time.”
Jack Simison
Nascent, Investor; ex-Coinbase Ventures, Visa
“The chads at SatsTerminal have unlocked the holy grail of onchain defi: borrowing against your BTC. We’re just scratching the surface of use cases this unlocks.”
Samee Siddiqui
CEO @ RIFT
“Instead of selling during cycle and watching Bitcoin run for months after. This time I borrowed on Sats Terminal that kept my stack, covered what I needed. Completely different outcome.”
Haley Huang
Invest Direct @ YZi Labs
“Bitcoin holders face a brutal choice when they need cash — sell your BTC, or spend 6 hours comparing complicated CeFi platforms. Neither option makes sense. Sats Terminal has just launched the first non-custodial marketplace for Bitcoin-backed loans. Non-custodial, no KYC, real-time transparent quotes. If you hold Bitcoin and want liquidity without giving up custody, keep your eye on Sats Terminal.”
Tim Draper
Legendary Investor
Everything you need to know.
See all FAQsConnect your wallet, choose how much you want to borrow, and confirm one transaction. Your bitcoin is locked as collateral and USDC lands in your wallet — typically in under a minute. Repay any time to unlock your bitcoin; there are no fixed terms or prepayment fees.