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
Step-by-step through the loan lifecycle, collateral management, and how borrowing compares to selling or bank loans.
Read more →Frequently Asked Questions
Loan basics, collateral & security, process, and regulation. Everything you need to know about the category.
Read more →Key topics
Understanding LTV
Loan-to-Value (LTV) is the ratio of a loan to the collateral securing it. At 50% LTV, £100,000 of collateral supports a £50,000 loan, overcollateralised twice over, a buffer against volatility.
Learn more →Tax implications
Borrowing against an asset does not generally crystallise a capital gain in the UK; selling does, and CGT of up to 24% can apply to gains. Tax treatment depends on your circumstances; take independent advice.
Learn more →Custody & security
Your Bitcoin is held by major, proven FCA-regulated custodians in segregated per-borrower wallets. It is never lent out, rehypothecated, or borrowed against. How the custody structure works.
Learn more →Rates & fees
In this category, watch for hidden fees, variable rates, and compounding: they are how headline rates become something else. Reserve's design principle: pricing fixed and disclosed in full before any commitment.
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