How we work

We list lenders that (1) actively originate Bitcoin-backed loans or mortgages to US borrowers, (2) publicly disclose enough about their product to populate the comparison fields, and (3) have not had a recent material customer-fund loss or fraud event. We do NOT include: • Lenders that have collapsed, paused withdrawals, or restructured • Lenders with active license suspensions or recent consent orders • DeFi protocols (different product category — possible future addition) • Lenders that don't disclose enough public information to fairly compare If a lender we list is later found to meet an exclusion criterion, we remove the listing within one business day.

Our Default sort balances four factors: • Rate (lower APR ranks higher; this is the most heavily weighted factor) • Custody quality (qualified custodians and collaborative multisig custody rank higher than lender-held pools, especially those that rehypothecate) • Rehypothecation posture (lenders that don't rehypothecate rank higher) • Product track record (more years operating the specific lending product, capped after several years) The same formula is applied uniformly to every lender. No editorial adjustments. No paid placement. Users can re-sort by any column at any time, including pure "Lowest APR" if rate is the only thing that matters to them. We do not rank lenders editorially. We do not assign star ratings. We do not designate "best for X" picks. The Default sort is mechanical — a fixed formula applied uniformly to every lender — not an editorial recommendation.

Lender rates and terms are reviewed weekly via an automated check against each lender's published rate page, with manual confirmation before any update to our database. Every lender row shows the date it was last verified. If we cannot verify a field for a lender, we display "Not posted publicly" rather than guessing. We never invent data.

We may receive compensation from some lenders when users visit them through our links. Lenders with an active affiliate relationship are marked with an "Affiliate link" indicator next to the visit button. Affiliate status does not influence: • Whether a lender appears on our site (we list lenders we don't have affiliate relationships with too) • The order in which lenders appear (our Default sort is the same formula regardless of affiliate status) • The data we show about each lender

borrowonbitcoin.com is published by Sypher Capital. We are a publisher of public information about Bitcoin-backed lending. We are not a lender. We do not originate, fund, service, or hold any loan. We are not a broker or money transmitter — we do not accept applications or transmit financial credentials. We are not a registered investment advisor — nothing on this site is personalized financial advice.