Pooled liquidity
Aave suppliers and borrowers share asset reserves. Borrow rates move with utilization in each reserve.
Borrow protocol guideBorrow Against
Borrow Against 
Bitcoin on 
Aave
Compare live Aave Bitcoin-backed loan routes for USDC and USDT. See active chains, understand health factor, and start with the best available offer.
Current route coverage
USDC and USDT
Aave is a decentralized liquidity protocol with pooled lending reserves across multiple networks.
Health factor
Collateral value, debt, and liquidation parameters combine into a health factor. A position becomes liquidatable when it falls below 1.
Market-specific terms
Available assets, rates, LTV, and liquidity differ by deployment. Review the live offer before signing.
Current browser configuration
Active Sats Terminal routes
Chain
Base
Bitcoin collateral
cbBTC
Borrow asset
USDC
Chain
Ethereum
Bitcoin collateral
wBTC or cbBTC
Borrow asset
USDC
Chain
Ethereum
Bitcoin collateral
wBTC or cbBTC
Borrow asset
USDT
Chain
Arbitrum
Bitcoin collateral
wBTC
Borrow asset
USDC
Chain
BNB Chain
Bitcoin collateral
BTCB
Borrow asset
USDC
Protocol guide
What to know about Aave
Aave is one of the protocols Sats Terminal checks when you borrow against Bitcoin. It uses pooled reserves, with rates and available liquidity set independently on each supported chain.
01
What Sats Terminal does
Enter the amount you want to borrow and Sats Terminal compares eligible live offers. The protocol is not locked by this page, so the composer can still choose the best valid route for your asset, amount, and target LTV.
02
Aave borrowing risks
Aave loans are overcollateralized and open-term. Interest accrues continuously. If Bitcoin falls, your LTV rises and your health factor can move toward liquidation. Rates, collateral parameters, and liquidity can change by market, so the signed quote is the source of truth.
Frequently Asked Questions
Yes. The current Sats Terminal browser route checks Aave USDC markets using supported wrapped Bitcoin collateral on Base, Ethereum, Arbitrum, and BNB Chain.
Primary sources
Protocol mechanics are grounded in official documentation. Route availability comes from Sats Terminal's current browser loan configuration and may change.
Explore related borrowing pages
Borrow USDC on Aave
Borrow USDC against Bitcoin with Aave. Review supported markets and risks, then compare the best live offers without selling BTC.
Borrow USDT on Aave
Borrow USDT against Bitcoin with Aave. Review supported markets and risks, then compare the best live offers without selling BTC.
Borrow Against Bitcoin on Morpho
Explore the active Morpho Bitcoin-backed USDC route, isolated-market mechanics, LLTV risk, and alternatives for assets not currently routed through Morpho.
Borrow Against Bitcoin on Kamino
Learn how Kamino borrowing works on Solana and start a Bitcoin-backed CASH loan while Sats Terminal keeps its normal best-route selection behavior.
Borrow USDC Against Bitcoin
Borrow USDC against your Bitcoin without selling. Compare live rates across Aave and Morpho Blue, keep self-custody, and get funds in seconds.
Compare before you sign