For Bitcoin holders

Borrow USDC against your Bitcoin

Unlock liquidity from your Bitcoin without selling it. Keep your upside, skip the taxable sale, and draw native USDC at a fixed rate — non-custodial, on HyperEVM.

Launch app How it works
Borrow APR
7.9%
fixed
Max LTV
60%
loan-to-value
Liq. threshold
75%
LTV trigger
How it works

From Bitcoin to USDC in three steps

Your Lombard wrapped Bitcoin stays in the smart contract the whole time. You stay in control.

01

Deposit LBTC

Supply Lombard wrapped Bitcoin as collateral. It stays in the smart contract — you keep your BTC upside.

02

Borrow USDC

Draw up to 60% of your collateral value in native USDC at a fixed 7.9% APR. No surprises, no rate spikes.

03

Repay anytime

Repay on your schedule and unlock your LBTC. Monitor your liquidation price the whole way.

Calculator

Model your loan

Enter the value of your Bitcoin collateral and choose a loan-to-value ratio. See exactly how much you can borrow, what it costs, and the BTC price at which liquidation begins. Figures are estimates for illustration only.

In USD, at today's BTC price.

$

Enter the US dollar value of the Bitcoin you will deposit.

50%
0% Max 60%

Higher LTV means more USDC now — and a liquidation price closer to today's.

Max borrowable
$50,000
Annual interest (7.9% fixed)
$3,950
Est. liquidation price
—

Liquidation begins when your loan-to-value reaches 75%. The price shown is the percentage drop in BTC value that would trigger it — you can repay or add collateral at any time to avoid it.

Estimates only — not financial advice. Interest accrues continuously; liquidation depends on live oracle prices and may occur before the level shown in fast markets.

The math

Sell vs. borrow

Say you hold $100,000 of Bitcoin and need cash. You have two options.

Sell your BTC

  • Realize capital gains — a taxable event
  • Lose all future BTC upside
  • Get cash, but you're out of the trade

Borrow against it

  • No sale — no capital gains event
  • Keep 100% of your BTC upside
  • Up to $60,000 USDC at 7.9% APR

Illustrative example, not tax advice. Liquidation risk applies if collateral value falls.

Live rate at launch
7.9% APR · fixed · up to 60% LTV

Borrow against your Bitcoin without giving up custody or upside. Liquidation risk applies if collateral value falls — monitor your position.

Launch app Read the docs