Bitcoin is the most established and widely accepted crypto asset — which is exactly why a Trade Lend loan allows the highest loan-to-value for BTC: up to 70% of its market value. You get liquidity without selling your Bitcoin. This guide shows how much credit that is, how the LTV reacts to price moves, and how Trade Lend communicates along the way.
Key takeaways
- At Trade Lend, Bitcoin qualifies for a loan-to-value of up to 70% of its market value — the highest level offered.
- The standard is 50%, 60% is a warning zone and 70% is a high-risk range. A higher LTV means less buffer.
- Your Bitcoin stays as collateral: you keep the upside of rising prices but carry the price risk. Payout in USDT, USDC, BTC or ETH, repayment in the same asset.
- We prioritize communication and provide multiple notifications before any manual collateral action is considered — never automatically or silently.
Why up to 70% is possible for Bitcoin
The permitted loan-to-value depends on how volatile a coin is. The more stable and liquid an asset, the more credit it can responsibly support. Bitcoin is by far the most established crypto asset, so at Trade Lend it carries the highest loan-to-value — up to 70% of its market value. More volatile coins receive a lower level because their value swings more.
Trade Lend accepts BTC, ETH, SOL, XRP, BNB and LTC as collateral. Among these, Bitcoin stands for the highest loan-to-value. To see what is possible for your specific coins, use the loan calculator.
Loan-to-value by stability
A higher level is not a discount but a reflection of stability. Less volatile assets such as Bitcoin can support more credit than more volatile coins — which is why up to 70% is possible for BTC.How much credit is that?
The loan amount is the market value of your Bitcoin multiplied by the chosen loan-to-value. At Trade Lend the loan value is tracked in US dollars throughout, even when the payout is made in USDT, USDC, BTC or ETH.
| Pledged Bitcoin (market value) | Loan-to-value | Possible loan |
|---|---|---|
| 10,000 US dollars | 50% (standard) | 5,000 US dollars |
| 10,000 US dollars | 60% (warning zone) | 6,000 US dollars |
| 10,000 US dollars | 70% (maximum) | 7,000 US dollars |
A higher level means more liquidity but less room when prices fall. Many borrowers deliberately choose a level below the maximum to keep more buffer. For exactly how the ratio is calculated, see the guide Loan-to-value (LTV) explained.
Payout, repayment and interest
After review, your loan is paid out in the asset you choose — USDT, USDC, BTC or ETH. You repay in the same asset. Interest accrues daily, and you can repay at any time with no prepayment penalty. Repaying earlier reduces the interest cost accordingly.
- Payout asset
- The asset you receive the loan in: USDT, USDC, BTC or ETH. You also repay in this asset.
- Loan value in US dollars
- The loan is valued in US dollars throughout, regardless of the payout asset. This keeps the LTV unambiguous to calculate.
- Daily interest
- Interest accrues per day. You only pay for the time the loan is actually open.
- Terms
- Flexible with no fixed term and a variable rate, or fixed over 30, 90, 180 or 365 days.
What the higher LTV means for risk
The advantage of a Bitcoin loan: your BTC stays as collateral rather than being sold, so you keep the upside if prices rise. The flip side: you continue to carry the price risk. If the Bitcoin price falls, the market value of your collateral drops while the loan amount in US dollars stays the same — so the LTV rises.
Price risk remains
A crypto loan does not remove your price risk. The value of your Bitcoin can rise or fall at any time. Borrowing close to 70% leaves less buffer before the LTV moves into the warning zone. A lower starting level leaves more room for price swings.| Price change of Bitcoin | New market value | Loan (unchanged) | New LTV |
|---|---|---|---|
| Starting point | 10,000 US dollars | 5,000 US dollars | 50% |
| minus 17% | 8,300 US dollars | 5,000 US dollars | around 60% |
| minus 29% | 7,100 US dollars | 5,000 US dollars | around 70% |
What happens as LTV rises
If your LTV rises, you are not caught off guard. Trade Lend relies on communication and several stages of notification before any action is even considered, so there is enough time to work out a solution together.
- From the warning zone (60%): you receive a note that the buffer is getting smaller.
- In the high-risk range (70%): we notify you more clearly and show options to add collateral or repay part of the loan.
- Around 80 to 85%: we proactively reach out to find a joint solution.
- As a last resort: a manual action on collateral is only considered after a prolonged breach toward around 95% — and always only after communication.
Our approach to collateral
We never sell collateral silently or automatically. We prioritize communication and provide multiple notifications before any manual collateral action is considered. Every decision stays transparent and agreed.A Bitcoin loan in three steps
Why a Bitcoin loan can make sense
- You get liquidity without selling your Bitcoin.
- BTC qualifies for the highest loan-to-value: up to 70% of its market value.
- Repay at any time with no prepayment penalty; interest accrues daily.
What to keep in mind
- The price risk stays with you: if the Bitcoin price falls, the LTV rises.
- A high loan-to-value leaves less buffer for price swings.
- As LTV rises, adding collateral or a partial repayment may become necessary.
The process is deliberately lean: choose your loan-to-value and term, pledge BTC as collateral, and receive the payout in your preferred asset. Run your case through the loan calculator or start your application directly. To weigh a loan against selling, read the guide Crypto loan or sell? If you would rather earn interest on idle coins, see the Earn program. For any questions, reach us via the contact page.
Frequently asked questions
At Trade Lend, Bitcoin qualifies for a loan-to-value of up to 70% of its market value. With BTC worth 10,000 US dollars pledged, that is a loan of up to 7,000 US dollars. The standard level is 50%; 60% is treated as a warning zone and 70% as a high-risk range.
The payout is made in USDT, USDC, BTC or ETH, as you choose. You repay in the same asset that was paid out. The loan value is tracked in US dollars throughout, even when the payout is made in a cryptocurrency.
No. We prioritize communication and provide multiple notifications before any manual collateral action is considered. If the LTV rises, we notify you; around 80 to 85 percent we proactively reach out to find a joint solution. There is no automatic or instant sale.
No. You choose between a flexible loan with no fixed term and a variable rate, and a fixed loan over 30, 90, 180 or 365 days. Repayment is possible at any time with no prepayment penalty; interest accrues daily.
Yes. Your Bitcoin stays as collateral, so you continue to benefit from rising prices but also carry the risk of falling prices. If the price falls, the LTV rises, and you can add collateral or repay part of the loan to widen the buffer again.
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This article is for general information only and does not constitute investment, legal or tax advice. Crypto loans carry risks, including price fluctuations of the collateral.