BTC sold at the session price to raise $50,000 before tax effects.
Loans / Borrow-vs-sell scenario
Borrow or sell? Stress test the BTC loan first.
APR snapshot checked June 21, 2026 · BTC benchmark reference price · no final lender quoteManual scenarioAave2.50% APR · 12 months
Manual scenarioAaveManual scenario. Pick the amount, collateral, and term before comparing against lender rows.
- APR
- 2.50%
- Loan amount
- $50,000
- BTC collateral
- 1 BTC
- Starting LTV
- 50%
- Margin call
- 77% LTV
- Liquidation
- 77% LTV
Prefilled scenario
Loan inputs
Collateral value$100,000
1 BTC at $100,000 BTC. Selling instead would require about 0.5 BTC before taxes.
Manual scenario. Pick the amount, collateral, and term before comparing against lender rows.
BTC price is a reference benchmark for this model, not live pricing.50% current LTV on $100,000 of BTC collateral.
$100,000 in BTC keeps the request at a standard 50% starting LTV.
About $104/mo at 2.50% APR.
BTC dropBTC priceNew LTVStatusAction
20%$80,00063%Buffer remainsNo top-up modeled
30%$70,00071%Buffer remainsNo top-up modeled
40%$60,00083%Liquidation zoneAdd 0.6667 BTC or repay principal
50%$50,000100%Liquidation zoneAdd 1 BTC or repay principal
60%$40,000125%Liquidation zoneAdd 1.5 BTC or repay principal
70%$30,000167%Liquidation zoneAdd 2.3333 BTC or repay principal
Stress rows model 6 BTC drop scenarios from 20% to 70%. This is not a lender quote. Verify cure windows, fees, collateral control, tax treatment, and final lender terms before acting.