Loan Scenario

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 Price
Loan Amount
$50,000
BTC Required
1.563 BTC
Monthly Interest
$417
10% APR · 50% LTV · Non-custodialFull Calculator →

Who 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

CompetitorSavings with Lygos (12mo)
Lygos (12mo)$5,000
vs. Ledn$950–$1,200
vs. NexoVaries by tier
vs. UnchainedNot 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

50% Safe80% At-risk alert90% Liquidation

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.

Other Loan Sizes

Understand the key terms

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