crypto.loans

HodlHodl BTCloan: rates, LTV & how to borrow

Can I borrow against BTC on HodlHodl?
Yes — you can borrow against Bitcoin (BTC) on HodlHodl at 5–20% APR with up to 70% LTV, on a multisig escrow basis with no KYC.
Borrow on HodlHodl

HodlHodl accepts Bitcoin (BTC) as loan collateral. Bitcoin is the largest cryptocurrency by market cap and the most widely accepted collateral for crypto-backed loans. On HodlHodl you can borrow USDT, USDC, L-BTC, WBTC against your BTC at 5–20% APR, up to a maximum loan-to-value of 70%, on a multisig escrow basis.

To borrow against BTC on HodlHodl you open an account, complete sign-up (no KYC required), deposit your BTC as collateral, and draw a loan. HodlHodl uses a multisig escrow model, so consider how it secures collateral before committing a large BTC position.

Bitcoin's price volatility is the main driver of liquidation risk on a HodlHodl loan, which is why the 70% maximum LTV exists. Borrowing well below it — and adding collateral or repaying when BTC falls — keeps your position out of the liquidation zone. HodlHodl sources its rates on a verified, manually-tracked basis.

How to borrow against BTC on HodlHodl

  1. 1Create a HodlHodl account (no KYC required).
  2. 2Deposit your Bitcoin (BTC) as collateral.
  3. 3Choose your loan amount up to 70% LTV and receive USDT, USDC, L-BTC, WBTC.
  4. 4Repay under HodlHodl's terms to reclaim your BTC. Add collateral or repay early if BTC falls toward the liquidation level.

How HodlHodl compares for BTC

13 platforms in our index accept BTC as collateral. On borrow rate, HodlHodl ranks 5th of 13, behind Crypto.com's 1–8%. The table below puts HodlHodl next to its closest BTC alternatives so you can weigh rate against custody and LTV.

Crypto.comCeFi
Borrow APR
1–8%
Max LTV
50%
KYC
Required
Custody
In-house
Apply
NexoCeFi
Borrow APR
1.9–18.9%
Max LTV
50%
KYC
Required
Custody
Third-party
Apply
AaveDeFi
Borrow APR
4–8%
Max LTV
80%
KYC
No KYC
Custody
Self-custody
Apply
HodlHodlCeFi
Borrow APR
5–20%
Max LTV
70%
KYC
No KYC
Custody
Multisig escrow
Apply

Affiliate disclosure: This page contains affiliate links. We may earn a commission at no cost to you. Rankings are never influenced by affiliate status.

Frequently asked questions

Can I borrow against BTC on HodlHodl?
Yes. HodlHodl accepts Bitcoin (BTC) as collateral, letting you borrow USDT, USDC, L-BTC against it at 5–20% APR, up to 70% loan-to-value.
What is the interest rate for a HodlHodl BTC loan?
HodlHodl's borrow APR is 5–20%. Confirm the current rate on the platform before borrowing, as terms can change.
Does borrowing against BTC on HodlHodl require KYC?
No. HodlHodl lets you borrow against BTC without identity verification.
What happens if my BTC collateral drops in value?
If your BTC falls far enough that your loan-to-value crosses HodlHodl's liquidation threshold, part of your collateral can be sold to repay the loan. Keep a buffer below the 70% maximum LTV to reduce that risk.

Related