Most stress tests only crash Bitcoin. But a recession never hits one asset in isolation — stocks and home values fall, income can wobble, and Bitcoin often sells off with everything else. The Macro Stress Test shocks them together, the way they moved in 2008, March 2020, and other real crises, so you can see the combined hit to your net worth and to your Bitcoin-backed loan.
Set your position and your broader finances, then pick a scenario to see your loan's LTV and margin-call status after the shock, how each asset class responds, and an estimated recovery time. It's free, runs entirely in your browser, and needs no account. Liquidation is modeled at Lygos' 85% LTV threshold.
It models a whole-economy shock — not just a Bitcoin price drop. Each scenario moves Bitcoin, stocks, real estate, income and interest rates together, the way they actually move in a crisis, and shows the combined hit to your net worth and to your Bitcoin-backed loan.
In a real recession your assets fall together: stocks and home values drop, income can wobble, and Bitcoin often sells off too. Looking at Bitcoin in isolation understates the pressure on your finances. This tool shows how your loan holds up when everything moves at once.
Historical analogs and forward risks: a 2022-style crypto drawdown, the March 2020 COVID crash, a 2008-style financial crisis, stagflation, a regulatory crackdown, and a Bitcoin-bullish 'hyperbitcoinization' case. Each carries realistic, correlated moves across asset classes and an estimated recovery time.
It depends on your starting LTV and how far Bitcoin falls in that scenario. The tool shows your LTV, margin-call and liquidation status after the shock, and — because Lygos loans are serviced monthly — your debt stays flat, so a lower LTV gives you a bigger buffer to ride the crisis out.
No. It's free and runs entirely in your browser — no signup, and nothing is stored. You only share details if you choose to start a loan.