Crypto Loan Rates in 2025: Where to Get the Best Deal
A 2025 breakdown of crypto loan rates across DeFi and CeFi, with typical ranges, hidden costs, and how to find the cheapest BTC-backed stablecoin loan.
May 5, 2026
Borrow CASH with
bitcoin for the
best rates
Borrow aggregates all major Bitcoin loan providers making it easy to compare and choose the best rate for your bitcoin-backed loan.
Find the best loan for you given your risk tolerance.
Non-custodial • Clear fees • Live rates
Moderate Risk
Borrow Solana CASH without selling your Bitcoin.
CASH is handled as its own Solana asset in Borrow, not as a bundle of USDC and USDT choices. Use your Bitcoin-backed collateral, compare the live Kamino-backed market terms, and receive CASH on Solana when the loan opens.
Choose the CASH amount you want, tune your LTV, and keep the flow self-custodial from quote to repayment.
See how much CASH you can borrow.
Find out how much Bitcoin collateral you would need to borrow your desired CASH amount, with live Solana market terms.
Desired loan amount
$
CASH
Collateral required
BTC
50% LTV
Loan-to-Value (LTV)
Low Risk
No matching offer for these inputs
Why choose Borrow for your CASH loan
Solana-native CASH
Borrow CASH directly on Solana instead of treating cash as a generic off-ramp label.
Kamino market access
Borrow routes CASH loans through supported Kamino markets and shows live borrowing data before you commit.
BTC-backed collateral
Use Bitcoin-backed collateral for the loan while receiving CASH as the borrowed asset on Solana.
Self-custodial by design
Borrow never takes custody. Every action is signed from your wallet and funds cannot move without approval.
Open-term repayment
No fixed schedule. Repay whenever you want and unlock the corresponding portion of your collateral.
No platform fees on Borrow
Sats Terminal does not add a platform fee on top of the underlying protocol costs.
Rates today
Typical CASH borrow rates
Live markets are variable and update with protocol conditions; use the quote flow for the current executable terms.
KaminoDeFi
Chain · venue
Solana
Typical APR
LiveMax LTV
Market
Worked example
What a 1 BTC, 50% LTV CASH loan looks like
Numbers below assume a BTC reference price of $77,500 and a 6% borrow APR — well inside the typical Aave / Morpho range. Use the live composer above for your exact figures.
Collateral
1.0 BTC≈ $77,500
CASH borrowed
$38,75050% LTV
Monthly interest
$194@ 6% APR
Liquidation price
$49,679BTC can fall ~36%
Translation: Pledge 1 BTC, walk away with $38,750 in CASH, pay roughly $194 a month in interest, and your position is safe unless BTC drops below $49,679 (≈ 36% drawdown). Repay any time to unlock collateral — there’s no fixed schedule.
What you need to know about your CASH loan
View moreThis page is for the CASH asset on Solana. It should not present a stablecoin selector or describe CASH as a generic off-ramp label.
Borrow against your CASH in three easy steps
1
Choose how much CASH you want to borrow
Enter a CASH loan amount or BTC collateral amount and Borrow estimates your LTV, collateral need, and live offer.
2
Deposit BTC and confirm the position
Borrow prepares the Solana loan flow and you approve the transaction from your wallet.
3
Receive CASH on Solana
CASH lands in your wallet after the loan opens. Repay CASH later to reduce debt and unlock collateral.
Frequently asked questions
No. On this page, CASH means the CASH asset on Solana. It is not a generic label for choosing another stablecoin.
The CASH loan settles on Solana. Borrow shows the Solana market terms and routes the flow to the supported protocol for that asset.
30–50% is the sweet spot for most borrowers. It gives Bitcoin room to fall ~40–60% before liquidation risk becomes acute, while still unlocking meaningful liquidity.
No. Borrow never holds your collateral or borrowed funds. Every action is signed from your self-custodial Privy wallet — funds cannot move without your approval.
Not for the DeFi flow. Sign in with email, a self-custodial wallet is created for you, and you start borrowing.
Your LTV rises proportionally. If it crosses the protocol’s liquidation threshold, part of your collateral is sold to repay debt. Conservative LTV and active monitoring prevent most liquidations.
In most jurisdictions, taking a loan against BTC is not a taxable event because you keep ownership of the collateral. Tax rules vary by country — confirm with your accountant.
DeFi borrow rates are variable and recompute each block based on pool utilization. Borrow shows you the live rate at request time; you only commit when you sign.
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Learn more about Bitcoin borrowing
Deep-dive guides on rates, LTV, liquidation, and how Borrow by Sats Terminal compares offers across Aave, Morpho Blue, and CeFi lenders.
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