Rate Index · Daily record
Bitcoin loan rates, 21 July 2026
On 21 July 2026 the BoB Bitcoin Rate Index stood at 8.66% APR. Every rate we recorded that day is below, custodial and on-chain together, cheapest first.
The BoB Bitcoin Rate Index blends the two indices below at 70% CeFi / 30% DeFi: the CeFi index (average effective APR for a $100,000 loan at 50% LTV) and the DeFi index (TVL-weighted average USDC borrow APR). The weighting is our editorial judgement, not a measured market share, because CeFi origination volume is not public. Both components are published above so the blend can be checked, or re-weighted, by anyone.
Every rate recorded that day
6 custodial lenders and 8 on-chain protocols, lowest first. Custodial rates are the effective APR for a $100,000 loan at 50% LTV; on-chain rates are variable.
Cite this day
BoB Bitcoin Rate Index: 8.66% APR on 21 July 2026, blending 10.42% across 6 custodial lenders and 4.54% across 8 on-chain protocols at 70% CeFi / 30% DeFi. borrow/on/bitcoin. https://borrowonbitcoin.com/rates/2026-07-21
Free to cite with attribution and a link.