Borrow against BTC at 1%

A Bitcoin-backed loan is a type of loan where you use your Bitcoin holdings as collateral. This allows you to borrow funds without selling your Bitcoin. Deposit your Bitcoin with Mezo, and in return receive MUSD, Mezo's bitcoin-backed stablecoin. The amount you can borrow is determined by the loan-to-value (LTV) ratio, which is the ratio of the loan amount to the value of your Bitcoin.

Borrowing against Bitcoin offers several benefits. Firstly, it provides liquidity without selling your Bitcoin, allowing you to maintain your investment while accessing funds. It also may allow you to avoid triggering taxable events that occur when you sell your Bitcoin, depending on your jurisdiction. Furthermore, Bitcoin loans often have competitive interest rates compared to traditional loans, and the process can be quicker and more straightforward, as it often involves fewer credit checks and documentation.

To repay the loan, simply return the borrowed MUSD along with any applicable fees. Once the debt is cleared, your Bitcoin collateral is fully returned.

If the value of your bitcoin falls and your collateral ratio drops below the required minimum, the smart contract may initiate liquidation to preserve system solvency.

There’s no set loan term on Mezo. You can hold your position as long as your loan-to-value ratio stays healthy. You’re free to repay whenever it suits your financial goals.

APR (Annual Percentage Rate) is the yearly interest rate on MUSD loans. The introductory interest rate is 1% and remains fixed for the loan's lifetime. Governance may adjust future rates to align with market conditions.

While Coinbase offers basic crypto lending, Mezo is purpose-built for Bitcoin loans. It provides fixed rates, transparent onchain operations via smart contracts, and a BTC-native borrowing experience — all without selling your Bitcoin. Additionally, Mezo self-custodial, has fixed interest rates and no repayment schedule.

Absolutely. Mezo is designed to help you get a loan by lending Bitcoin as collateral so you can unlock value without needing to sell your Bitcoin or any other digital asset.

Unlike traditional loans, Mezo loans are instant, permissionless, and secured with crypto collateral. No credit checks, no paperwork, and no need to interact with banks — just BTC and a smart contract.

The interest rate for a Bitcoin-backed loan is determined by various factors, including the LTV ratio of the loan, market conditions, lender policies, and other protocol-specific factors. A lower LTV can often result in a lower interest rate because the loan is less risky for the lender.

Yes. You can borrow against bitcoin directly through Mezo. Just deposit BTC into a smart contract, and you’ll receive mUSD, a crypto-backed stablecoin. It’s a crypto-backed loan with no need to liquidate your digital assets.

Yes. Every Mezo loan is governed by a transparent and autonomous smart contract, ensuring fair terms and onchain enforcement without human intermediaries.

Yes, you can use mUSD borrowed against your existing BTC to buy more bitcoin, participate in DeFi, or fund other crypto activities — all without losing your original BTC exposure.

Yes. On Mezo, you can use your BTC as collateral to borrow MUSD—a Bitcoin-backed stablecoin pegged 1:1 to the US dollar. You keep your Bitcoin, and receive spendable, tradable MUSD, which you can hold, swap for USDC, or convert to fiat.

The amount you can borrow depends on the loan-to-value (LTV) ratio. Mezo requires a minimum of 110% collateral, meaning you can get a loan worth up to ~90% of your BTC’s value. To reduce risk, we recommend overcollateralizing at 150% or higher.

Yes. Every Mezo loan is governed by a transparent and autonomous smart contract, ensuring fair terms and onchain enforcement without human intermediaries.

Key risks include price volatility and potential liquidation if your collateral ratio drops too low. However, Mezo mitigates this with fixed rates, transparent contracts, and real-time position monitoring.

Crypto collateral refers to using digital assets—like BTC—as security for a loan. On Mezo, your Bitcoin is locked in a smart contract and allows you to mint MUSD up to a certain loan-to-value ratio.

Mezo currently enforces a minimum loan size of $1,800 MUSD. This helps ensure the protocol remains efficient and cost-effective for all users.

Yes. You can repay your loan and reclaim your collateral anytime. There are no early repayment penalties or hidden fees.

No. Mezo loans are onchain and don’t involve credit checks, personal data, or reporting to credit agencies. Your loan is secured by collateral, not identity. Your keys, your Bitcoin - That is all