Reality Check

Bitcoin on a HELOC
vs BTC Now

The cheapest rate comes with the heaviest collateral.
Run the math anyway.

What do you want to buy?
BTC

Target purchase(0.10 BTC – 1.00 BTC per plan)

$90,000.00

Borrow against your home
%
%
$
Default on a HELOC and the bank can foreclose on your home. The Bitcoin you bought might still be sitting in your wallet, but the lien is on the house, not the BTC. That's a different kind of stake than missing a credit card payment.
HELOCs float with prime. At today's 9% your monthly is $1,140.08. If rates rise to 12%, the same balance over the same term costs $1,291.24/mo — that's $151.16/mo more for nothing you did. You signed for the principal; the rate is theirs to move.

Paying off $90,000.00 on this HELOC over the same 10 years:

Monthly payment

$1,140.08/mo

Total interest

$46,809.84

+ Closing costs

$1,500.00

All-in cost

$138,309.84

Stop paying and the bank starts foreclosure proceedings. Lose your home, lose the equity you built. The Bitcoin in your wallet doesn't unwind a lien on the house. The debt sticks until the property sells, and you wear the deficiency on your credit for years.
BTC Now

Approved (after quick qualification)

Locked at

$90,000.00

For

1.00 BTC

Your BTC Now plan:

Monthly payment

$1,452.01/mo

Term

10 Years

BTC Now Price

$174,241.75

Your house stays yours. We don't take liens on real estate, we don't take liens at all. The new BTC Now coin sits in a Delaware Statutory Trust, structurally protected from creditors. No path back to your home.
Your Purchase Price locks the day you sign. Whatever rates do, Fed cuts, Fed hikes, prime moving, your monthly payment doesn't move. No stress test required.
No appraisal, no origination fee, no title fee, no recording. Your Purchase Price is the price. What you sign for is what you pay.
Stop paying and you owe nothing more. We keep the Bitcoin covering what's left on your plan; anything above that goes to you. No foreclosure. No deficiency. No chase.
Your BTC Now coin's cost basis equals the BTC Now Price, the full amount paid over the term. Future capital gains are measured from there, not from a lower historical price.

Today's price locks the moment you sign.