bitcoin backed loan in minutes.30
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.
Non-custodial. Your keys, always.
No KYC. Privacy first.
Receive funds in under 30 minutes.The fastest and cheapest self-custody loans.
Get Your Loan4.21
%
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.
0
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.
“Sats Terminal has revolutionized my approach to Bitcoin-backed loans. The process was seamless, and I maintained complete control over my assets. Highly recommend it!”
Floyd Miles
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“I was impressed by the speed and efficiency of Sats Terminal. I got a loan in minutes, without giving up my Bitcoin. A game-changer in the crypto lending space!”
Eleanor Pena
@username
“Sats Terminal is a must-try for anyone seeking liquidity without selling their Bitcoin. The platform is user-friendly, and the terms are transparent. I'm a happy user!”
Wade Warren
@username
Everything you need to know.
How does a Sats Terminal loan work?
Connect 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.
How much can I borrow against my bitcoin?
The amount depends on the live loan-to-value ratio available from the markets we route through. The composer shows the collateral required before you continue.
What rate will I pay?
Rates move with market liquidity. Sats Terminal compares supported venues in real time and routes you to the lowest available rate before you confirm.
Does Sats Terminal hold my bitcoin?
No. Your collateral moves into transparent lending infrastructure you can verify. Sats Terminal coordinates the flow but does not custody your bitcoin.
What happens if bitcoin drops in price?
You can monitor your health factor in the app and add collateral or repay to reduce risk. The loan view shows position health as market prices change.
Is the protocol audited?
Sats Terminal integrates major lending markets and shows the provider details before you continue so you can review the venue and terms.