Keep Your Bitcoin.Access Cash.
Collateralize your BTC. Receive stablecoins or fiat within minutes. No credit check. No forced selling. Your stack stays yours, every sat.
FIVE STEPS.
FULL STACK.
Deposit BTC as Collateral
Lock your Bitcoin into a secure, audited multi-sig vault. You retain full ownership throughout.
Set Your LTV and Term
Choose anywhere from 30% to 65% LTV and a term between 1 and 12 months. Lower LTV means a larger safety buffer against volatility.
Receive Funds
USDT, USDC, or fiat disbursed within minutes. Use the funds for anything, no restrictions.
Repay On Your Terms
Repay principal plus interest at maturity, or early at any time. Zero prepayment penalties. Rates from 5% APR.
Reclaim Your Bitcoin
Full BTC stack returned instantly on repayment. No capital gains event triggered. Every sat intact.
PICK YOUR TIER.
- •Largest safety buffer (BTC must drop 38%+ to liquidate)
- •Ideal for long-term holders
- •Min 0.1 BTC collateral
- •Stablecoin or fiat payout
- •Balanced liquidity + safety
- •Flexible early repayment
- •Min 0.25 BTC collateral
- •$100k+ loan amounts available
- •Maximum capital efficiency
- •Active collateral management
- •Min 0.5 BTC collateral
- •Suitable for sophisticated users
HOW WE COMPARE.
| Platform | Type | BTC LTV | Rate APR | Term | KYC | Self-Custody | Rehypothecation | Min Collateral |
|---|---|---|---|---|---|---|---|---|
★BRIXLOur Product | CeFi | 30–65% | 5–12% | 1–12 mo | Minimal | ✓ Yes | ✗ Never | 0.1 BTC |
Aave V3 | DeFi | ≤75% | ~5.5% var | Open / Gas | None | Smart contract | Never | None |
Nexo | CeFi | ≤50% | 0–18.9% | Flexible | Full KYC | 3rd party | Yes | $100 |
Ledn | CeFi | ≤50% | 12.4%+ | 12 mo fixed | Full KYC | 3rd party | Never | $1,000 |
Coinbase | Hybrid | ≤86% | ≥4% var | Dynamic | Full KYC | Exchange | Yes | $100 |
YouHodler | CeFi | ≤90% | 14–17% | Short only | Full KYC | 3rd party | Yes | $100 |
Xapo Bank | Bank | 20–40% | ~10% | 1–12 mo | Full KYC | Bank | Never | $1,000+ |
Compound | DeFi | ≤75% | ~4.7% var | Open / Gas | None | Smart contract | Never | None |
Firefish EU/UK/Swiss only · P2P marketplace | P2P | ≤50% | 6–15% P2P | 3–18 mo | Full KYC | Multi-sig | Never | €500 |
WHY BRIXL WINS.
Self-Custodial Core
Your Bitcoin never leaves your custody. No rehypothecation. No counterparty risk. What happened to Celsius and BlockFi simply cannot happen at BRIXL.
LTV You Control
Every other CeFi lender caps you at 50% LTV. BRIXL lets you choose between 30% and 65%, precisely matching your own risk appetite. Conservative HODL or max capital deployment, your call.
Zero Tax Event
Selling BTC triggers capital gains in most jurisdictions. A collateralized loan does not. Borrow against your position, repay on your timeline, keep the full upside exposure intact.
Minimal KYC. Global Access.
DeFi protocols need zero KYC but demand technical expertise. Banks demand full identity verification and offer poor rates. BRIXL sits right in between: minimal friction, maximum global access.
YOUR PEOPLE.
Long-Term HODLers
Believers who refuse to sell but need liquidity for real life expenses, investments, or opportunities. They want to access value without permanently reducing their position.
High-Net-Worth Individuals
Private wealth holders looking to optimise their balance sheet without triggering taxable events. Capital gains deferral and estate planning make collateral lending a natural fit.
Crypto Natives
Active participants who want to leverage their collateral position for DeFi strategies, NFT purchases, trading opportunities, or business capital without exiting their BTC exposure.
Emerging Market Users
Populations in regions with unstable local currencies who hold BTC as their primary savings vehicle and need USD or stablecoin access. No bank account required.
YOUR BITCOIN.
YOUR TERMS.
YOUR CASH.
Join thousands of HODLers who access liquidity without selling a single sat. Set up in under 10 minutes.
No credit check required · Self-custodial vault · Not financial advice