For developers & fintechs

Add Bitcoin credit to your app

Let your users borrow USDC against their Bitcoin without building a lending protocol. Merum ships the markets, oracles, liquidation engine and audited contracts — you ship the product. Integrate with a widget, an SDK, or the raw API on HyperEVM.

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One credit primitive

Bitcoin-collateralized USDC lending — fixed-rate borrow and variable-yield supply — exposed through whichever surface fits your stack.

Non-custodial settlement

Funds settle in audited smart contracts on HyperEVM. You never take custody of user collateral, and neither do we.

Live market data

Read APR, LTV, utilization and liquidation prices straight from the protocol so your UI always reflects on-chain state.

Integration patterns

Three ways to integrate

Pick the depth that matches your team — from a one-line embed to direct contract calls. The snippets below are illustrative.

Drop-in

Frontend widget

Embed a hosted borrow-and-supply widget in any web app. No contract code, no oracle plumbing — Merum handles routing, pricing and signing flows.

<script src="https://embed.merum.xyz/v1.js"></script>

<merum-widget
  market="lbtc-usdc"
  action="borrow"
  apiKey="pk_live_…">
</merum-widget>

TypeScript

SDK

A typed client for quotes, positions and transactions. Build your own UI on top; the SDK handles encoding, oracle reads and gas estimation against HyperEVM.

import { Merum } from "@merum/sdk";

const merum = new Merum({ apiKey: process.env.MERUM_KEY });

// Quote a USDC borrow against LBTC collateral
const quote = await merum.markets.quoteBorrow({
  market: "lbtc-usdc",
  collateral: "0.5",   // LBTC
  borrow: "12000",     // USDC
});

console.log(quote.apr, quote.maxLtv, quote.liquidationPrice);

Low-level

REST & contract API

Full programmatic access to markets, positions and rates over REST — or call the audited contracts directly. For exchanges, custodians and credit products that need raw control.

curl https://api.merum.xyz/v1/markets/lbtc-usdc \
  -H "Authorization: Bearer $MERUM_KEY"

# → { "borrowApr": 7.9, "maxLtv": 60,
#     "liqThreshold": 75, "oracle": "pyth+chainlink" }

Partner showcase

Building with leading fintechs

Wallets, exchanges and consumer fintechs are integrating Bitcoin-backed credit with Merum. Launch partners go live here as markets activate. Want to be one of them?

Become a launch partner →

Start building

Read the integration docs, grab an API key, and embed Bitcoin credit in a day. Questions on scope, rate limits or revenue share? Reach out — we work with partners directly.

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