$5M Bitcoin Loan
Five million dollar Bitcoin-backed loan for high-net-worth individuals and institutions. The savings vs Unchained at this level: $309,000 over 12 months.
Loan Overview
Loan Amount
$5,000,000
Collateral
100.0 BTC
Monthly Interest
$41,667
12-Month Cost
$500,000
APR
10%
Origination
$0
Rehypothecation
DLC-constrained
Quick Estimate
BTC: $64,000 Live PriceWho borrows $5,000,000?
At $5,000,000, you are in institutional territory. Borrowers at this level include family offices, crypto funds restructuring positions, high-net-worth individuals funding acquisitions, and companies using Bitcoin treasury as collateral for operational capital.
The counterparty risk at $5,000,000 is existential, not theoretical. Celsius lost $4.7 billion in customer assets. BlockFi's bankruptcy erased hundreds of millions. Lygos reduces platform custody exposure by keeping your 100.0 BTC on the Bitcoin blockchain in a DLC whose pre-signed outcomes constrain how collateral can move.
How Much You Save vs Competitors
| Competitor | Savings with Lygos (12mo) |
|---|---|
| Lygos (12mo) | $500,000 |
| vs. Ledn | $95,000–$120,000 |
| vs. Nexo | Exceeds Nexo max |
| vs. Unchained | $309,000 |
Your 100.0 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 $5,000,000 Bitcoin-backed loan with Lygos costs $500,000 over 12 months at 10% APR with $0 origination fees. Monthly interest is $41,667. Collateral requirement is approximately 100.0 BTC at 50% LTV.
At Lygos's 50% LTV ratio, you need approximately 100.0 BTC in Bitcoin collateral for a $5,000,000 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 100.0 BTC as collateral instead of selling, you access $5,000,000 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 100.0 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.
Lygos is a regulated lender and requires identity verification for all loans. However, unlike custodial platforms, your Bitcoin collateral never leaves the blockchain. KYC verifies your identity; DLCs protect your assets. The distinction matters: your personal information is with Lygos, but your Bitcoin is secured by cryptography, not trust.
Ready to borrow $5,000,000?
10% APR, $0 origination fees, and your BTC secured on the Bitcoin blockchain via DLC.