COMPARE SCENARIOS
Real-world loan comparisons
Abstract comparisons are hard. See how different lenders stack up in specific scenarios based on loan size, term, location, and your priorities.
How to use these scenarios
- Find the scenario closest to your situation
- Review the top recommendations and tradeoffs
- Click "Review lender" to see detailed analysis
- Use the calculator to model your exact numbers
Conservative HODLer
5 BTC, 12-month term, US-based, prioritizing safety over cost
COLLATERAL VALUE
$$500,000.00
YOUR PRIORITY
safety
LOAN TYPE
Standard
Recommended for this scenario
Ledn
CeFi • Safety: 7.4/10
Arch Lending
CeFi • Safety: 7.5/10
Yield Chaser
3 BTC, 6-month term, comfortable with DeFi, prioritizing low cost
COLLATERAL VALUE
$$300,000.00
YOUR PRIORITY
cost
LOAN TYPE
Standard
Recommended for this scenario
Maker (Sky)
DeFi • Safety: 8.2/10
Lava
DeFi • Safety: 4.6/10
Medium Loan — Canada
2 BTC, 12-month term, Ontario-based, needs fast funding
COLLATERAL VALUE
$$200,000.00
YOUR PRIORITY
speed
LOAN TYPE
Standard
Recommended for this scenario
Figure
CeFi • Safety: 7.1/10
Nexo
CeFi • Safety: 5.9/10
Large Collateral
10 BTC, 24-month term, US-based, needs multi-sig custody
COLLATERAL VALUE
$$1,000,000.00
YOUR PRIORITY
custody
LOAN TYPE
Multi-sig
Recommended for this scenario
Xapo Bank
CeFi • Safety: 8.8/10
Ledn
CeFi • Safety: 7.4/10
Fast Cash, No KYC
1.5 BTC, 3-month term, prioritizing privacy and speed
COLLATERAL VALUE
$$150,000.00
YOUR PRIORITY
privacy
LOAN TYPE
DeFi / No-KYC
Recommended for this scenario
Maker (Sky)
DeFi • Safety: 8.2/10
YouHodler
CeFi • Safety: 5.6/10
Want a custom scenario?
These scenarios are starting points. Your situation might be different — loan amount, jurisdiction, or risk tolerance. Use the calculator to model your exact numbers.
Share these scenarios
Know someone considering a Bitcoin loan? Share these examples to help them compare.
Context before you decide
- These scenarios use a $100,000/BTC reference price — rates and terms are estimates. Confirm current quotes with lenders.
- Safety scores compare structural factors — custody, transparency, track record — not investment recommendations.
- DeFi requires self-custody — you hold the keys. If that's new to you, CeFi may be better despite higher rates.