Bitcoin-native · Fixed & variable rates
Borrow up to 75% of what you deposit.
Put your crypto to work without selling it. Supply collateral, unlock instant liquidity, and repay on your terms — at a rate you can lock in. Non-custodial, Bitcoin-first.
or join the waitlist for early access →Three steps. No middleman.
It's like lending yourself money against assets you already own — the protocol is code, so no one takes custody of your funds.
Deposit collateral
Supply BTC, ETH, or stablecoins into the pool. It stays yours and starts earning yield the moment it lands.
Borrow up to 75% LTV
Draw up to three-quarters of your collateral's value as instant liquidity — keep your upside, get the cash.
Repay on your terms
Pay it back whenever on a variable rate, or lock a fixed rate for 7–365 days. Your collateral unlocks the moment you repay.
Borrow it. Spend it.
Never hand over your keys.
Borrow against your Bitcoin on StaterFi, move it to a self-custodial Lightning wallet, and pay at the register in seconds. No card company, no custodian — nobody holds your money but you.
- 01StaterFi
Borrow up to 75%
Against your BTC or ETH, fixed or variable. Your collateral stays in the protocol's smart contracts, never a company wallet.
- 02Your Lightning wallet
Move it to Lightning
Send it to a self-custodial wallet like Phoenix or Breez. Only you hold the keys.
- 03Any Lightning checkout
Scan & pay
Scan the Lightning QR at the register — coffee, groceries, anywhere that shows one.
Borrowing is live on testnet today; spending over Lightning arrives with mainnet — test tokens can't be spent in real stores. Moving borrowed stablecoins onto Lightning currently takes a swap or bridge step through a service you choose, and making that one tap is on our roadmap. Listed wallets are independent apps StaterFi doesn't control or endorse; availability varies by country. Merchant figure: Block/Square, May 2026.
Built for people who don't want to sell.
75% loan-to-value
Borrow up to three-quarters of your deposit — among the most capital-efficient terms in DeFi.
Fixed-rate option
Lock your borrow rate for up to a year. No surprise spikes when the market gets busy.
Bitcoin-native
Three BTC wrappers with peg-aware pricing, so a depeg lowers value honestly instead of hiding it.
Instant liquidity
Borrow in a single transaction. Repay anytime — even the same day — with no lock-up on variable loans.
Transparent fees
One flat 3% origination fee — no hidden spreads. It funds a reserve that absorbs bad debt before lenders do.
Secure & non-custodial
Your keys, your funds. The team can never move your assets — only you can, through the contracts.
Illustrative testnet figures — not live mainnet data. Real balances appear once you connect on testnet.
Supply to earn. Borrow against it.
Lenders earn the yield borrowers pay. Rates move with demand; every borrow adds to the safety reserve.
| Asset | Supply APY | Borrow APR | Max LTV |
|---|
Illustrative rates. Live rates are set algorithmically by pool utilization.
Designed to be safe first.
A lending protocol holds real value, so security isn't a feature — it's the foundation. Here's how we protect depositors.
Non-custodial by design
Funds live in on-chain smart contracts, never in a company wallet.
2-day timelock governance
Every parameter change is announced 2 days ahead — no instant rug switches.
Guardian pause, capped power
A guardian can pause in an emergency but can never move funds or unpause alone.
81 automated tests
Invariant, differential and adversarial suites run on every change; audit & bug bounty next.
Your assets. Your liquidity.
Borrow up to 75% today.
Join the first cohort testing StaterFi on public testnet — full functionality, zero real-money risk. Leave your email and we'll invite you when access opens.