Bitcoin● Neutral

How Bitcoin-Backed Loans Work and What Borrowers Should Know

TradingGain Newsroom·10d ago·21 Oct 2026, 15:43 UTC

Bitcoin holders can borrow cash or stablecoins using their BTC as collateral, without selling it. The explainer covers how collateral, loan-to-value (LTV) and liquidations work. For traders, understanding liquidation risk matters if they hold or borrow against BTC.

BTCAt the time of writing, Bitcoin traded at $84,444 (+2.43% in 24h).Live price →

Why it matters

Borrowers can get cash or stablecoins while keeping their bitcoin instead of selling it.
Loan-to-value (LTV) ratio is a key part of how these loans work.
Liquidations are a risk to understand before borrowing against bitcoin collateral.

What to watch next

Watch BTC's price moves against loan-to-value levels, since these determine how close a borrower is to liquidation.

BTCLive chartOpen full chart →

This brief is written by TradingGain from public reporting by Decrypt.Read original ↗

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