pledgeJun 21
across 15 lenders
across 12 ETFs
IBIT leads
stablecoins · 14 tracked
Tell us what you want to do with your bitcoin.
Each path opens a comparison table with identical fields, identical methodology, and a sourced citation on every figure.
Borrow dollars against your BTC.
If the real job is dollars without selling Bitcoin, start here. 8-factor scoring on every lender — because APR is the headline and liquidation behavior is the loan.
Typically among the cheapest dollars in the market — the rate floats. You keep custody. $23B+ TVL. Six years operating.
Aave♦
Unchained
Xapo BankSpot exposure through your brokerage.
ETFs trade the keys for liquidity. Useful inside an IRA, 401(k), or any brokerage that won't hold BTC directly. Fees, AUM, and custody chain are the three things that actually differ.
Largest spot ETF by AUM ($48.2B). Deepest liquidity. Mid-tier expense ratio but the lowest spread for any real size.
Decide who can move your Bitcoin.
Custody is a control decision before it's a brand decision. Pick the model first — self, multisig, collaborative, institutional — then compare providers within it.
Collaborative multisig with Lloyd's-of-London-backed insurance. The strongest fit for high-net-worth holders who want a recovery story.
Park value in dollars — read the claim first.
Stablecoin yields are not risk-free. Yield is not Bitcoin. Stability depends on backing, controls, and exit liquidity. We sort by risk-first, not by APY.
Our pick in the dollar lane: a clearly-defined preferred-stock credit claim from a transparent issuer — issuer credit, not BTC-collateralized reserves.
What people actually search.
Eight factors. One score.
Every product — loan, ETF, custodian, or dollar — is scored on the same eight factors, weighted by category. Each figure links to its source. We take no payment for placement.
How Pledge works.
- What Bitcoin product categories does Pledge compare?
- Pledge compares Bitcoin loans, stablecoins, Digital Credit, custody and wallets, and ETFs. The reviewed product hub tracks 74 products, including 15 lenders, 14 Bitcoin-linked money and credit projects, 22 wallets (tracked for evidence, not scored), 11 custodians, and 12 ETFs.
- How does Pledge evaluate different Bitcoin product verticals?
- Each category has its own comparison criteria. BTC-backed loans are evaluated on APR, custody treatment, safety scores, fees, and liquidation risk, with loan safety scores currently ranging from 3.4 to 9.0 out of 10.
- Does Pledge get paid by the products it ranks?
- No provider pays for position — zero paid rankings. Rankings follow the published methodology only. Where affiliate links exist they are disclosed and never affect a score.
- How often is the data updated?
- Pledge re-verifies its data on a recurring cadence and stamps every figure with a last-verified date; some market data (ETF AUMs, DeFi rates) refreshes automatically, and sources are linked on every row so you can check the original.
- What is the Pledge safety score?
- A weighted 0-10 score from a published, vertical-specific methodology. For Bitcoin-backed loans it combines eight factors — custody, rehypothecation, regulation, reserves, track record, liquidation, loss protection, and transparency — with weights that sum to 100%, and every factor cites its evidence.
- Is Pledge investment advice?
- No. Pledge is independent research and decision-support — not investment, financial, tax, or legal advice. Always confirm the live terms with the provider before acting.