crypto.loans

LTV Optimizer

Find the right loan-to-value ratio for your risk tolerance.

Your collateral
BTC

Collateral value: $104,000

Estimate — live price unavailable

Auto-filled from CoinGecko. Edit it to model a different price.

50% · Balanced
20%80%
Your borrowing power
LTV gauge50%
Safe <50%50–65%>65%
Max loan
$52,000

at 50% LTV

Liquidation price
$61,176

BTC liquidates here (85% LTV)

Safety buffer: 41% — BTC must drop 41% (to $61,176) before liquidation.

Lenders supporting BTC at 50%+ LTV

  • Nexofrom 1.9% APR · up to 50% LTV
    Borrow
  • Compoundfrom 2.7% APR · up to 83% LTV
    Borrow
  • Aavefrom 4% APR · up to 80% LTV
    Borrow
  • Morphofrom 4% APR · up to 86% LTV
    Borrow
  • MakerDAO (Sky)from 5% APR · up to 80% LTV
    Borrow
  • YouHodlerfrom 5.9% APR · up to 90% LTV
    Borrow
  • Lednfrom 9.25% APR · up to 50% LTV
    Borrow
  • Firefishfrom 10.9% APR · up to 50% LTV
    Borrow
  • CoinRabbitfrom 11.95% APR · up to 90% LTV
    Borrow
  • Unchainedfrom 14% APR · up to 50% LTV
    Borrow

Sorted by lowest borrow rate. Max LTV varies by collateral and jurisdiction — confirm on the provider's site.

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Choosing an LTV you can live with

Loan-to-value is the single biggest lever on a crypto-backed loan. Borrow at a high LTV and you extract the most cash, but your collateral has little room to fall before the platform liquidates it. Borrow at a low LTV and you leave money on the table — in exchange for a buffer that can absorb a sharp drawdown without forcing a sale.

Our gauge keeps this visible: green below 50%, amber from 50–65%, and red above 65%. We'd steer most borrowers toward the green band on volatile collateral, because the assets people pledge most often — BTC, ETH, SOL — can move double digits in a single day.

Use the optimizer to test scenarios: drag the LTV, watch the liquidation price and safety buffer respond, then compare the lenders that actually support your target ratio.

Frequently asked questions

How much can I borrow against my Bitcoin?+

It depends on the loan-to-value (LTV) ratio you choose. At 50% LTV, $100,000 of BTC lets you borrow up to $50,000; at 70% LTV, up to $70,000. A lower LTV borrows less but leaves a bigger cushion before liquidation. The optimizer shows your maximum loan at any LTV using a live BTC price.

What LTV ratio should I choose?+

There's no single right answer — it's a trade-off between cash today and safety. We flag anything under 50% as conservative, 50–65% as balanced, and above 65% as aggressive. For volatile collateral, many borrowers stay well under 50% so a sharp price drop doesn't push them toward liquidation.

How is the liquidation price calculated?+

We model liquidation at an 85% LTV threshold. The liquidation price is the collateral price at which your loan would reach that threshold — below it, the platform can sell your collateral to repay the debt. The safety buffer is how far the price can fall from today before that happens.

Where do the prices come from?+

Live spot prices are fetched from CoinGecko's free API and cached briefly. If the price feed is unavailable, we fall back to a recent estimate and you can type in your own price to model any scenario.