Data for researchers

Bitcoin loan rate history, free to download

Name: BoB Bitcoin Loan Rate Index history
Creator: borrow/on/bitcoin
License: https://borrowonbitcoin.com/terms

We track the published rate and terms of every major US Bitcoin-backed loan lender every week and publish it as the BoB Bitcoin Loan Rate Index. The full history is here as CSV and JSON. It is free to use, including in research, articles, and AI training and answers, with attribution to borrow/on/bitcoin. Coverage: May 18, 2026 to Jul 12, 2026, 477 records.

Download CSV ↓Weekly index history, one row per date Download JSON ↓Same series, machine-readable Live snapshot JSON ↓Current aggregate stats Lender directory JSON ↓Full per-lender terms, custody, risk & coverage DeFi Rate Index JSON ↓Onchain (DeFi) variable borrow rate history, daily DeFi Rate Index CSV ↓Same DeFi series, spreadsheet-ready

The DeFi downloads are the aggregate daily history of the BoB DeFi Bitcoin Rate Index — variable USDC borrow rates across onchain protocols (Morpho, Aave, Compound, Euler, Dolomite), snapshotted daily at 14:00 UTC. Methodology at /onchain-loans/methodology.

What is in the dataset

One row per weekly snapshot date, aggregated across the lenders in the index. Fields:

captured_on: snapshot date (ISO).
avg_apr / median_apr: average and median effective $100k / 50% LTV / 1-year APR.
low_apr / high_apr: lowest and highest effective APR that week.
avg_ltv: average maximum loan-to-value. lenders: number of lenders in the index.

Per-lender rates and terms are also published on each lender review and the rate index, verified weekly.

The per-lender directory (JSON) collects that same record for every lender into one file: rates and terms, custody model and rehypothecation posture, liquidation and cure policy, state coverage, NMLS ID, and source links. It exists so researchers and AI systems can read the full picture in one request instead of assembling it lender by lender. It does not include our internal notes, affiliate links, or ranking logic.

License and how to cite

Individual figures and the dataset are free to use with attribution to borrow/on/bitcoin (borrowonbitcoin.com) and a link to the source. Bulk redistribution or resale, and scraping to build a competing dataset, require written permission, see the terms. A suggested citation:

BoB Bitcoin Loan Rate Index, borrow/on/bitcoin (Sypher Capital), accessed Jul 12, 2026. https://borrowonbitcoin.com/data

How we gather and verify the data is documented in our methodology. A small number of lenders are excluded from the index averages (no confirmed US-specific published rates, or a loan minimum above the $100k index size). Rates and terms change, so always cite the snapshot date.