Reality Check

Lend Your Bitcoin
vs BTC Now

Why borrow when you can flip?
Sell, pay your tax, plan the buy-back.

How much cash do you need?
$

BTC spot price

$90,000.00

Borrow against your stack
%
%
%

To borrow $77,000.00 at 50% LTV:

Bitcoin you must pledge as collateral

1.71 BTC

Bitcoin only has to drop 28.6% from today before you'd get a margin call. If you can't top up the collateral, the lender liquidates your Bitcoin to cover the loan.
That collateral lives on the lender's books until the loan is paid off. You can't move it, sell it, or self-custody it during the term. Multiple major crypto-lending platforms have collapsed in recent years, taking customer Bitcoin with them. Your stack is only as safe as the platform.

Interest-only over the same 5 years:

Monthly interest

$770.00/mo

Total interest paid

$46,200.00

Principal still owed at end

$77,000.00

If you're liquidated, the lender sells your Bitcoin at the worst possible moment to cover the loan. You don't get it back when price recovers. The stack you spent years stacking is gone in an afternoon.
Sell + BTC Now
$
%

Step 1: Sell to net the cash

BTC sold

0.99 BTC

Capital gains tax

$11,846.15

Net cash to you

$77,000.00

Step 2: BTC Now plan to buy back 0.99 BTC

Monthly payment

$2,113.64/mo

Term

5 Years

BTC Now Price (locked at today's spot)

$126,818.63

Your Purchase Price locks the day you sign. Bitcoin can drop 50% tomorrow and your monthly payment doesn't move. No collateral, no liquidation.
The Bitcoin you keep lives in your own cold storage during the plan. No one else has a claim on it. The new BTC Now coin sits in a Delaware Statutory Trust, structurally prohibited from lending or rehypothecating. Neither pile is exposed to platform-failure risk.
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 collections. No lawsuit. No chase.
Your BTC Now coin's cost basis equals the BTC Now Price, the full amount you paid over the term. When you eventually sell, the gain (and tax) is measured from there, not from your original purchase years ago. Higher basis, lower future tax.

Today's price locks the moment you sign.