Borrow against your Bitcoin or ETH. Keep the upside.
Deposits and withdrawals are open today. Borrowing dollars against your deposit opens once our fee contract is deployed. Your wallet, your keys; nothing is held by us.
StaterFi never holds your money and cannot touch it. You sign every transaction in your own wallet, and approvals are for the exact amount of each action — never unlimited. Deposits and withdrawals cost nothing; borrowing carries a flat 3% origination fee, shown before you confirm. ETH moves as plain ETH: no wrapping, nothing extra to hold.
This is not a risk-free way to hold Bitcoin or ETH. A loan against it can be liquidated if the price falls far enough; rates change; smart-contract and oracle risk apply. Your funds are held by an established third-party lending protocol on Ethereum, which StaterFi does not operate or control; its contract address is in the footer, and the Risk Disclosure says more. StaterFi's own lending market is still in development and not on mainnet; nothing here touches it.
What could I borrow?
Live prices and the protocol's own limits. Nothing to connect, nothing is recorded.
If I deposit
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Dollars arrive in your wallet in one transaction. Repay in full or in part, any time.
Your position
Deposited
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Borrowed
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Health factor
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ETH for gas
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Connect a wallet to see your position.
Markets
Asset
Price
Borrow up to
Earn
Borrow APR
In your wallet
You deposited
You owe
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"Borrow up to" is the protocol's loan-to-value limit for that asset: the most you can owe against its value. "Earn" is what a deposit pays; "Borrow APR" is what a loan costs. Both are the protocol's variable rates, read live.
Who holds what
ETH is wrapped and unwrapped by the protocol’s own gateway contract inside each transaction. You deposit ETH and get ETH back; you never hold the wrapped token.
cbBTC is a claim on Bitcoin held by Coinbase, the sole custodian, which can freeze the token. WBTC is a claim on Bitcoin held in a BitGo / BiT Global 2-of-3 multisig. tBTC is a claim on Bitcoin held by a 51-of-100 group of Threshold signers, with no single custodian. Each is redeemable 1:1 through its issuer; none of them is Bitcoin on the Bitcoin network.
Your deposit sits in the lending pool in your name. StaterFi holds nothing and cannot move, freeze or recover it. Liquidation runs on-chain by the protocol’s rules when your health factor drops below 1, with no warning and no grace period; nobody, including us, can stop it or soften it. On a loan or collateral worth less than 2,000 dollars, the whole loan can be closed in one go. The liquidation penalty is the protocol’s; the 3% origination fee is ours and is the only thing we charge.
Tax. In most places, borrowing against an asset is not a sale, and a liquidation, where collateral is sold to repay the loan, is. Turning Bitcoin into a token, and depositing it, are treated differently from place to place. Nothing here is tax advice; check your own jurisdiction.
Spend
The dollars you borrow are USDC or USDT in your own wallet, and they can go anywhere an Ethereum address can. StaterFi charges nothing to move them; the Ethereum network fee applies.
In your wallet
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Send to a person, a merchant, or the deposit address an exchange or service gives you. The address must be on the Ethereum network: at an exchange, choose Ethereum (ERC-20) as the deposit network. One transaction, no approval, no undo. The page checks that the address is not a contract; it cannot check which network the other side expects.
Over Lightning
Sats
Lightning moves bitcoin, so the dollars take one step: a service that accepts USDC on Ethereum and pays out over Lightning gives you a deposit address; you send the dollars there with the button on the left and they arrive in your Lightning wallet as sats. StaterFi never touches that step. Which services do this well is being checked now and will be listed here.
To a bank
Cash
Send the dollars to the deposit address of an exchange or payment app you have an account with, on the Ethereum network. Then sell, withdraw to your bank, or pay from the balance. Its own rules and limits apply.
Help
Stuck, or something looks wrong? Write to [email protected] with what you were doing and, if there is one, the transaction link from your wallet. A person reads every message. We will never write to you first, and we will never ask for a seed phrase, a private key or a “verification” transaction. Anyone who does is not us.
How do I get ETH into my wallet?
In the exchange or app where you keep crypto, buy ETH, or convert some of what you hold into ETH.
Withdraw it to your wallet's address and choose the Ethereum network, often labelled ERC-20. A cheaper network will deliver it somewhere this page cannot see.
Send a small amount first and check that it arrived. Then send the rest, and keep about a dollar of ETH aside for network fees.
No exchange account? Most wallets have a Buy button; the identity check and the fee are the provider's. Bitcoin works here only as a token on Ethereum (WBTC, cbBTC or tBTC). Some exchanges will withdraw Bitcoin as WBTC on the Ethereum network. If yours does not, ETH is the simpler way in.
What happens if my loan is liquidated?
There is no warning and no grace period. When the health factor falls below 1, anyone may repay your loan and take that much of your collateral plus the protocol's penalty: 5% on ETH and WBTC and 7.5% on cbBTC and tBTC when this was written. While the loan or the collateral behind it is worth less than 2,000 dollars, the whole loan can be closed in one go. What is left of the collateral stays yours. Borrowing about half of the maximum is what keeps a loan clear of this.
Add StaterFi to your home screen
It opens like an app, full screen, with the last page kept for when there is no signal. Your wallet app still does the signing: when you connect, StaterFi opens inside it.
In Safari, tap the Share button, then Add to Home Screen.
What if this page is down?
Your money does not depend on it. Deposits sit in the lending pool under your own address, and any other interface to the same protocol reaches them with the same wallet. The pool contract is here on Etherscan.