Onchain loans · DeFi
Borrow against your Bitcoin, onchain
Tell us how much Bitcoin you hold and how much you want to borrow. We'll match you to every DeFi market that fits — across Morpho, Aave, Granite, Dolomite, and Zest. No wallet connection, no credit check, no custodian.
- ✓ 19 live markets
- ✓ cbBTC · LBTC · sBTC · wBTC
- ✓ USDC & USDT
- ✓ Variable rates, updated daily
DeFi Bitcoin Market: BoB DeFi Rate Index
19 DeFi markets · updated daily at 14:00 UTC
Read this first: DeFi risk
DeFi lending protocols are permissionless smart contracts, not regulated entities. Rates are variable and change continuously with pool utilization; the rate shown is a point-in-time snapshot. Your Bitcoin collateral is held on-chain — by the protocol's smart contracts, not a custodian — and can be liquidated automatically if your loan-to-value ratio crosses a liquidation threshold, without notice and without recourse. Smart contracts can contain bugs or be exploited. Some protocols rehypothecate deposited collateral. We are a publisher, not a DeFi protocol operator, broker, or investment adviser; nothing here is a recommendation to use any protocol. Verify all terms directly with each protocol before acting.
Browse every market
DeFi Rate Index →Ranked by our balanced score — variable rate, utilization, TVL, and collateral model (see methodology). Re-sort by any single factor, or run the form above to filter by your amounts and save the result.
19 markets
We list protocols whether or not they pay us; affiliate links are labeled and never change the order or data shown. Rates are variable and reflect a daily snapshot at 14:00 UTC; on-protocol interfaces show real-time rates. Utilization figures change continuously. Confirm all terms on each protocol directly before opening a position.
borrowonbitcoin.com is a publisher, not a DeFi protocol operator, broker, or investment adviser. We may receive compensation from some protocols when you visit them through our site; affiliate links are labeled. Compensation never changes a protocol's order, position, or the data we publish. Listing a protocol is not an endorsement of that protocol or of DeFi lending. DeFi lending carries smart-contract, liquidation, and variable-rate risks; verify all terms with each protocol before acting.