How we work

We list lenders that (1) actively originate Bitcoin-backed loans or mortgages to US borrowers, (2) publicly disclose enough about their product to populate the comparison fields, and (3) have not had a recent material customer-fund loss or fraud event. We do NOT include: • Lenders that have collapsed, paused withdrawals, or restructured • Lenders with active license suspensions or recent consent orders • DeFi protocols (different product category, possible future addition) • Lenders that don't disclose enough public information to fairly compare If a lender we list is later found to meet an exclusion criterion, we remove the listing within one business day.

Our Default sort balances four factors: • Rate (lower APR ranks higher; this is the most heavily weighted factor) • Custody quality (qualified custodians and collaborative multisig custody rank higher than lender-held pools, especially those that rehypothecate) • Rehypothecation posture (lenders that don't rehypothecate rank higher) • Track record and establishment (more years operating the specific lending product ranks higher, credited up to about eight years, so a long-established, battle-tested lender outscores a newer one) The same formula is applied uniformly to every lender. No editorial adjustments. No paid placement. Beyond the years we score, we encourage you to weigh how established a lender is overall, including its scale and how much it has lent, wherever the lender discloses it. Users can re-sort by any column at any time, including pure "Lowest APR" if rate is the only thing that matters to them. We do not rank lenders editorially. We do not assign star ratings. We do not designate "best for X" picks. The Default sort is mechanical, a fixed formula applied uniformly to every lender, not an editorial recommendation. (This no-ranking rule binds loans and mortgages, which are high-stakes, situation-dependent decisions. Bitcoin cards are handled differently, see "How we rank cards" below.)

If you tell us who you currently borrow from, the results reorder for the things that matter when you already hold a loan, not just the headline rate. You choose what to optimize for (lower rate, fewer fees, keeping your Bitcoin where it is, safer custody, or borrowing more), and you can change that choice on the results page to reorder instantly. Alongside rate, the refinance order weighs: • What it costs to switch (a new origination fee, and whether refinancing again later is free) • Custody continuity (whether a lender uses the same custodian you already have, so your Bitcoin may not have to move) • Custody quality and rehypothecation posture (the chance to move to a qualified custodian that does not rehypothecate) • Flexibility (an open line, or free future refinancing) This is still mechanical and criteria-based: we reorder on lender attributes you asked us to prioritize, the same formula for every lender, with no editorial picks and no paid placement. We do not rank lenders on your current rate. When you give us a rate range, we show an estimated yearly saving and break-even next to each lender, but that figure is an illustration based on the range you entered, not a quote, and it never changes the order.

Lender rates and terms are reviewed weekly via an automated check against each lender's published rate page, with manual confirmation before any update to our database. Every lender row shows the date it was last verified. If we cannot verify a field for a lender, we display "Not posted publicly" rather than guessing. We never invent data.

We may receive compensation from some lenders when users visit them through our links. Lenders with an active affiliate relationship are marked with an "Affiliate link" indicator next to the visit button. Affiliate status does not influence: • Whether a lender appears on our site (we list lenders we don't have affiliate relationships with too) • The order in which lenders appear (our Default sort is the same formula regardless of affiliate status) • The data we show about each lender

borrowonbitcoin.com is published by Sypher Capital. We are a publisher of public information about Bitcoin-backed lending. We are not a lender. We do not originate, fund, service, or hold any loan. We are not a broker or money transmitter, we do not accept applications or transmit financial credentials. We are not a registered investment advisor, nothing on this site is personalized financial advice.

Bitcoin cards are the one place on this site where we do rank and use "Best for X" labels. This is a deliberate, bounded exception to the no-ranking rule above. We make it because choosing a card is low-stakes and reversible (a suboptimal rewards card costs a few dollars of foregone Bitcoin and can be cancelled), card choice is not investment advice, and a card comparison is not subject to the broker or lead-generator framing that our lending posture exists to avoid. We deliberately do NOT extend this to loans or mortgages. How the card order is derived: • The default order within each card group is by base rewards rate (higher ranks higher), with no-annual-fee cards favored on ties. It is a fixed formula applied to verified data, the same way for every card. • "Best for X" labels are category judgments ("Best for instant Bitcoin rewards"), derived from the same verified fields. They are never "best for you," and we don't make personalized recommendations even on cards. • Cards are grouped accumulation-first: Bitcoin-rewards credit cards, then Bitcoin-rewards debit cards, then crypto spend cards (which pay rewards in a non-Bitcoin token or none, and realize a taxable disposal on every purchase). Affiliate status never buys or changes a card's rank, its position, or its "Best for X" label. Affiliate links only add an "Affiliate link" indicator next to the visit button, exactly as on the lending side. Card terms change frequently; every card shows the date it was last verified, and we deactivate a card rather than show terms we cannot verify.