Bitcoin Loans on AAVE
Borrow against Bitcoin using AAVE V3. The largest DeFi lending protocol with deep liquidity across chains. Learn about rates and LTV.
Protocol Stats
Total Value Locked
$10B+
Total Borrowed
$5B+
Supported Assets
30+
Chains
5
Supported Chains
Key Features
Flash Loans
Borrow without collateral for single-transaction use cases
Efficiency Mode
Higher LTV for correlated asset pairs
Credit Delegation
Delegate borrowing power to other addresses
Safety Module
Protocol insurance through staked AAVE tokens
AAVE is the largest decentralized lending protocol in DeFi with over $10 billion in TVL. Borrow stablecoins against Bitcoin collateral with competitive rates, flexible terms, and battle-tested security. Available on Ethereum, Base, Arbitrum, and more.
Why Choose AAVE?
AAVE pioneered DeFi lending and remains the market leader. Its V3 protocol offers advanced features including efficiency mode, isolation mode, and cross-chain portals.
- Largest TVL in DeFi lending ($10B+)
- Multi-chain deployment (Ethereum, Base, Arbitrum)
- Battle-tested security (5+ years, multiple audits)
- Governance by AAVE token holders
AAVE Rates and Terms
AAVE uses variable interest rates that adjust based on pool utilization. Higher utilization means higher rates. LTV ratios for Bitcoin collateral typically range from 75-80%.
- Variable borrow rates (typically 3-8% APY)
- LTV up to 80% for BTC collateral
- Liquidation threshold around 85%
- No minimum loan amounts
How AAVE Lending Works
AAVE uses liquidity pools where suppliers deposit assets and borrowers take loans. Interest rates are determined algorithmically based on supply and demand.
Security and Audits
AAVE smart contracts have been audited by leading firms including Trail of Bits, OpenZeppelin, and Certora. The protocol has a $250M bug bounty and has operated safely since 2020.