Your
Bitcoin.
Your
Financial Engine.
Your all-in-one Bitcoin financial hub. Seamlessly Borrow, Earn, and Spend with absolute privacy. True financial freedom starts here.
The waitlist is closed. Here is where things stand.
Points are final. Download the app to be eligible for waitlist rewards (top 500 only).
The #1 ranked member at launch takes home the largest Bitcoin reward.
The next two on the leaderboard each claim $500 in Bitcoin.
Round out the top ten to earn $100 in Bitcoin at launch.
Leaderboard
Borrow USDC, 
Earn on idle funds, and Spend stablecoins from one self-custodial app.
Loans funded in 30 mins or less.
Non-custodial. Your keys, always.
No KYC. Privacy first.Don't sell, Borrow against BTC. Get instant cash today while securing your future.
$1,595.00
$0.89Everything you need to know.
No. The waitlist is closed, so new signups and new points are no longer accepted. Members can still sign in to see their final points and rank.
Sats Terminal is a financial app that treats your Bitcoin like an everyday asset. It aggregates the best financial solutions for you, so you always get the absolute best rates to borrow cash or earn interest securely.
Not at all. Sats Terminal is built specifically to feel like a regular financial app. We handle all the technical heavy lifting in the background, like network bridging and smart contracts so you can manage everything with simple clicks, making it easy for anyone to borrow, earn, or spend.
Sats Terminal is more than a wallet, it is a self-custodial financial hub. Your Bitcoin stays yours, and you maintain complete control over your assets from start to finish.
Not at all. While the app is the ultimate tool for unlocking the value of your Bitcoin, you can also just deposit stablecoins (like USDC) to start earning steady interest or use them for everyday spending.
Borrowing lets you get cash without selling your investments. You securely lock up a portion of your Bitcoin as collateral. The app instantly finds the lowest interest rate available and sends stablecoins (like USDC) to your wallet in minutes. Once you repay the loan, your Bitcoin is fully unlocked.
You can use the funds for absolutely anything. You can transfer the stablecoins (like USDC) out or spend it right away. The app includes a built-in crypto card that lets you spend your balances on everyday purchases, working seamlessly like a standard credit line.