Why Bitcoin-Backed Loans Make Sense
Bitcoin holders face a dilemma: sell and trigger capital gains tax, or hold and miss liquidity. A practical guide to how they work and why they make sense.
Read more →Resources
Learn how Bitcoin-backed loans work, why they make sense, and how Reserve compares to selling or traditional finance.
Guides & articles
How Reserve Works
From application to funding in 48 hours. Step-by-step through the loan lifecycle, collateral management, and how we compare to selling or bank loans.
Read more →Frequently Asked Questions
Loan basics, collateral & security, process, and regulation. Everything you need to know before applying.
Read more →Key topics
Understanding LTV
Loan-to-Value (LTV) is the ratio of your loan to your collateral. At 50% LTV, you deposit $100K of Bitcoin and receive $50K. This 200% overcollateralisation provides a buffer against volatility.
Learn more →Tax implications
Borrowing against Bitcoin is not a taxable event in most jurisdictions. Selling triggers capital gains tax. For UK holders, CGT can reach 20% on gains above the annual allowance.
Learn more →Custody & security
Your Bitcoin is held in segregated custody with institutional custodians. It is never lent out, rehypothecated, or used as leverage. Learn how we protect your collateral.
Learn more →Rates & fees
9% effective APR: 7.5% interest + 1.5% origination. No hidden fees, no variable rates, no compounding. What you see is what you pay.
Learn more →