The Loan Monitor puts your Bitcoin-backed loan on one screen — whichever lender you borrow from. Pick your lender to load their APR and liquidation terms, then see your live loan-to-value, margin-call and liquidation prices, the buffer before liquidation, and whether your position would have survived Bitcoin's worst historical crashes at that lender's threshold.
It also shows what switching to Lygos would save you — the interest difference, the extra safety buffer from Lygos' higher liquidation LTV, and non-custodial collateral that can't be rehypothecated. It's free, runs entirely in your browser, and needs no account.
LTV is your loan amount divided by the current value of your Bitcoin collateral, expressed as a percentage. A lower LTV means more cushion before a margin call. Lygos loans start at 50% LTV, and liquidation occurs at 85% LTV.
There's no single right answer, but the lower your LTV the more room you have to ride out a crash. Starting at 50% (or below) leaves a large buffer before the 85% liquidation threshold; the dashboard shows your live LTV and how much price drop it would take to reach a margin call.
Your liquidation price is the Bitcoin price at which your loan-to-value would hit the liquidation threshold (85% at Lygos), given your loan size and collateral. The dashboard computes it from your inputs and the live Bitcoin price so you always know how far away it is.
Yes. The dashboard pulls the current Bitcoin price so your LTV, margin-call price, liquidation buffer, and interest reflect today's market. It's free, runs in your browser, and stores nothing.