2026 Bitcoin Lending Rate Report
Representative effective APRs, safety scores for 15 tracked lenders, and the real cost of borrowing against your BTC. Free PDF.
What's Inside
- 1
Rate Benchmarks by Loan Size
Representative effective APR ranges from 1.5% to 25.13%, calculated from current lender product data.
- 2
Platform Safety Scorecard
Safety scores for all 15 tracked lenders, with custody, rehypothecation, regulatory, and track-record context.
- 3
LTV & Liquidation Comparison
Loan-to-value ranges up to 90%, plus liquidation and margin-call structures side by side.
- 4
Risk Framework Checklist
A practical checklist for deciding when lower rate, faster funding, or stronger custody should matter most.
Sample data preview
Live preview from the tracked lender dataset. The PDF includes all 15 lenders with full APR, custody, and risk notes.
| Platform | Min Loan | Effective APR | LTV | Safety |
|---|---|---|---|---|
| Unchained | $150K | 16.35% | 50% | A+ |
| Xapo Bank | $1K | 10.5% | 40% | A |
| Aave | $1 | 1.5%–3% | 70% | A |
| Maker (Sky) | $1 | 9%–16% | 67% | A |
| Ledn | $500 | 9.25% | 50% | A- |
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2026 BTC Lending Rate Report — built from the same lender dataset that powers Pledge. Instant download, no email required.
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