Borrow Against 1 BTC
Use 1 Bitcoin as collateral to access approximately $50,000 at 50% LTV. This is a common illustrative loan size above Lygos's $25,000 minimum. Maintain your full Bitcoin position while accessing liquidity.
Loan Overview
Loan Amount
1 BTC
Collateral
1.0 BTC
Monthly Interest
$417
12-Month Cost
$5,000
APR
10%
Origination
$0
Rehypothecation
DLC-constrained
Quick Estimate
BTC: $64,000 Live PriceWho borrows 1 BTC?
A 1 BTC Bitcoin-backed loan is popular with individual holders who need liquidity for a real estate down payment, unexpected medical expenses, or tax obligations, all without triggering a capital gains event.
At this size, most custodial platforms offer similar access. What sets Lygos apart: your 1.0 BTC collateral stays in a Discreet Log Contract on-chain. You're not trusting a company with your Bitcoin. You're trusting math.
How Much You Save vs Competitors
| Competitor | Savings with Lygos (12mo) |
|---|---|
| Lygos (12mo) | $5,000 |
| vs. Ledn | $950–$1,200 |
| vs. Nexo | Varies by tier |
| vs. Unchained | Not available (min $150K) |
Your 1.0 BTC stays on-chain
Your Bitcoin collateral is locked in a Discreet Log Contract on the Bitcoin blockchain, not in a platform-controlled custodial wallet. The available outcomes are pre-signed before collateral is committed, constraining how funds can move and making the contract flow verifiable on-chain.
Your collateral buffer
From 50% LTV, Bitcoin can drop 37.5% before the 80% at-risk alert. A further 11.1% drop reaches 90% liquidation.
Frequently Asked Questions
A 1 BTC Bitcoin-backed loan with Lygos costs $5,000 over 12 months at 10% APR with $0 origination fees. Monthly interest is $417. Collateral requirement is approximately 1.0 BTC at 50% LTV.
At Lygos's 50% LTV ratio, you need approximately 1.0 BTC in Bitcoin collateral for a 1 BTC loan. Your BTC is locked in a non-custodial Discreet Log Contract whose pre-signed outcomes constrain how collateral can move.
Borrowing against Bitcoin is generally not a taxable event in the United States, unlike selling, which triggers capital gains tax. By pledging 1.0 BTC as collateral instead of selling, you access 1 BTC in liquidity while maintaining your Bitcoin position and deferring any tax liability. Consult a tax professional for your specific situation.
Lygos uses a 50% loan-to-value ratio, meaning your 1.0 BTC collateral provides a significant buffer. At 50% LTV, Bitcoin would need to drop 37.5% before reaching the informational at-risk threshold at 80% LTV. There is no mandatory margin-call step; if LTV reaches the 90% liquidation threshold, the DLC contract executes a transparent on-chain liquidation rather than a discretionary decision by a custodian. The available outcomes are pre-signed before you commit collateral.
Ready to borrow 1 BTC?
10% APR, $0 origination fees, and your BTC secured on the Bitcoin blockchain via DLC.