Chain
Base
Bitcoin collateral
cbBTC
Borrow asset
USDC
Protocol and asset guideBorrow USDC on
Borrow USDC on 
Aave
Borrow USDC against Bitcoin with Aave. Review supported markets and risks, then compare the best live offers without selling BTC.
USDC is available through Aave
Sats Terminal currently checks cbBTC/USDC on Base and wBTC or cbBTC/USDC on Ethereum and wBTC/USDC on Arbitrum and BTCB/USDC on BNB Chain. The composer still compares every eligible offer and does not force a protocol.
Try a loan amount
Estimate a USDC loan against Bitcoin
Aave is currently one eligible route for this asset. Your amount, asset, and LTV carry into the composer, while protocol selection keeps its normal best-route behavior.
Desired loan amount
$
USDC
Estimated Bitcoin collateral at 50% LTV
BTC
50% LTV
Estimate only. The live quote includes current price, market terms, and route fees.
Loan-to-Value (LTV)
Low Risk
No protocol override is sent.
Compare live offersCurrent browser configuration
USDC markets currently checked for Aave
Chain
Ethereum
Bitcoin collateral
wBTC or cbBTC
Borrow asset
USDC
Chain
Arbitrum
Bitcoin collateral
wBTC
Borrow asset
USDC
Chain
BNB Chain
Bitcoin collateral
BTCB
Borrow asset
USDC
Know the mechanism
How Aave borrowing differs
Pooled liquidity
Aave suppliers and borrowers share asset reserves. Borrow rates move with utilization in each reserve.
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.
Protocol guide
What to know about Aave
USDC and Bitcoin collateral are available in the current Aave route shown above. Market rates and liquidity are variable, so Sats Terminal requests fresh offers for your amount rather than publishing a rate that can go stale.
01
What happens after you continue
Your USDC choice, amount, and LTV move into the homepage loan composer. Sats Terminal compares eligible routes and keeps the normal best-offer behavior. This page does not silently lock the protocol.
02
What to review before borrowing
Check the live rate, collateral amount, fees, amount received, and liquidation buffer. An open-term DeFi loan has no fixed repayment date, but interest accrues and the position can be liquidated if collateral no longer supports the debt.
Frequently Asked Questions
Yes. The current browser route includes cbBTC/USDC on Base and wBTC or cbBTC/USDC on Ethereum and wBTC/USDC on Arbitrum and BTCB/USDC on BNB Chain. Live quote availability still depends on your amount and current market conditions.
Primary sources
Protocol mechanics are grounded in official documentation. Route availability comes from Sats Terminal's current browser loan configuration and may change.
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Compare before you sign