The Swiss standardfor Bitcoin-backed lending
Bridging the gap between institutional-grade capital and Bitcoin sovereignty.
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Two parties. One marketplace. Zero custody.
Borrow and lend against Bitcoin without giving up control of your key.
Borrowers
Unlock liquidity without selling your
bitcoin.
Lenders
Lend capital and earn interest on loans backed by Bitcoin collateral.
Why 
Because Bitcoin-backed lending should not require trust in a centralized intermediary.
Non-custodial
Your Bitcoin collateral sits in a 2-of-3 multisig escrow. You, your counterparty, and BTCBacked each hold one key. No one can move it alone. Never pooled or rehypothecated.
Cold-storage compatible
Bring your own hardware wallet to generate your escrow key and authorize any movement of collateral. Your key never leaves it. Works with Ledger, Trezor, Jade and more.
Platform-independent
Even if BTCBacked goes offline, you and your counterparty hold two of three keys and can recover the collateral with your own wallet or an open-source tool.
Market-driven
Counterparties lend and borrow directly, each setting their own rate, size, and duration. Principal moves straight from lender to borrower.
Transparent
Clear terms, no spreads. Borrowers pay a platform fee of 1.5% per year of the loan term, charged once; there are no lender fees. Every fee taken from the escrow is visible on-chain.
AML-supervised
BTCBACKED AG is headquartered in Zug and AML-supervised as a member of VQF (#101306), a self-regulatory organisation officially recognised by FINMA.
Start borrowing or lendingontoday
Access liquidity or deploy capital through a non-custodial, peer-to-peer lending marketplace secured by the Bitcoin blockchain.
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Frequently
Asked Questions
BTCBacked connects borrowers and lenders directly. Borrowers access liquidity by using their Bitcoin as collateral, while lenders provide stablecoin loans (USDT or USDC) and earn interest. Every loan is secured by a 2-of-3 multisig escrow, and BTCBacked never takes custody of the collateral.
Every loan uses a 2-of-3 multisig wallet where the borrower, the lender, and BTCBacked each hold one key. At least two keys are required to move funds, so no single party ever has sole control.
BTCBacked is headquartered in Zug and AML-supervised as a member of VQF, a self-regulatory organisation officially recognised by FINMA. BTCBacked never takes custody of the collateral and cannot move it alone, your Bitcoin is never rehypothecated, and the platform fee is shown before you accept a loan. Built in Switzerland's Crypto Valley, BTCBacked brings security and transparency to peer-to-peer Bitcoin-backed lending.
Your Bitcoin sits in a 2-of-3 multisig escrow on the Bitcoin blockchain. You, your counterparty and BTCBacked each hold one key, and any two are needed to move it, so BTCBacked can never move it alone. If the platform goes offline, you and your counterparty can still move the collateral together, using BTCBacked's recovery tool. If you use your own wallet, the tool gives you a file to load into a wallet app such as Sparrow.
BTCBacked is open to individuals and companies that pass identity verification (KYC) and meet the eligibility rules in our Terms of Use, including its country restrictions. Bitcoin holders can borrow against their BTC to access liquidity, and stablecoin holders can lend and earn interest.