BTC

Allin_Or_Allout

Why don't you want to KYC? The reason they ask that is because youre using Fiat to purchase the BTC. They want to make sure the money is from legit sources. After you have the BTC you can just move to a different wallet.

skyratic

Not really? You are committed to that mortgage and you are choosing BTC as the collateral. The benefits are still there.

Excellent_Squash_138

You could sell a bit (and pay taxes) and take a loan for a bit - no need to go all in on either. But on the morpho loan, make sure you have additional collateral to top up if needed. We are down a lot from all-time high of course it could get lower but given history the probability of a steep drop from all-time high is much greater than where we are. Also, if/when BTC goes up, you can draw down from that loan and put the additional funds in interest bearing contracts which may offset the interest you’re paying on the original loan. If you sell you are looking in today’s price - again for better or worse.

HSuke

The reason they have debt is because they're also one of the biggest BTC reserve companies and followed the same model as MSTR to sell convertible debt. Unlike MSTR, they're paying off their debt early, not diluting shares, surprisingly taking a profit on the repayment, and pivoting to AI data centers.

Sailsand77

I mean, the way you guys are pushing BTC, reminds me of the Mormons knocking on doors, trying to convert people.

BlazingPalm

Way more BTC, less everything else

IntegrateSpirit

Take a look at the Bitcoin power law site: www.bitcoinpower.law It's the most accurate LONG-term predictor of BTC price.

CryptCranker0808

> They're choosing to sell BTC instead of dumping their stock. Wouldn't a responsible company attempt to sell when prices are high and buy options that would protect against downside risks of a major fall in the price?

VastPresence2412

I think I can speak for a lot of the community but thank you for advocating for the truth. Little by little more people will understand BTC and the philosophy behind it.

piggleii

I love BTC, but it's too slow. Likely used some L1 with wrapped BTC or stables for that purpose.

TheresNoSecondBest

>I've set myself a goal to reach 1 BTC before 2036 The first tear is pretty important, don't duck it up. Can you do overtimes or a second job? Now is the time. Once Bitcoin tops its current ATH, the stacking will be much more difficult. Do you have extra chairs? Sell them now!

weldo8

This seems a little fishy to me. I'm probably talking to the wrong crowd, but it seems like a bad idea to allow for such a speculative commodity back one of our most crucial economic pillars. I don't expect this to be a huge trend and lead to a 2008 style crisis where 10% of mortgages are foreclosing, but hmm, just doesn't sit right with me. I'm concerned that perhaps a few years down the road, we'll start seeing these blow up during a BTC bubble with unethical lending practices to low-income buyers with inflated assets. Total speculation on my part, but just a potential downside of this otherwise interesting practice.

NoCaaapp

The goal is to accumulate as much BTC as you can, while you still can. Responsibly ofc

lenissius14

Long term doesn't matters. Less value = Cheaper price to buy more BTC, which long term translates to bigger gains, that's why DCA is always recommended

AutoModerator

Post is by: uamdarasulka and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1s4hte6/pension_fund_wallet_with_795_accuracy_is/ so this wallet i've been tracking for a while now — "Penision Fund" on the leaderboard, 79.5% accuracy across 200 calls. it's sitting on a $61.5M ETH short from $2,034 entry. ETH is at $2,051. position is red. they don't care. also running a $34.3M BTC short from $68,884. BTC at $68,662 so that one's barely green. but the point is they're not closing either of these. same wallet i posted about when it opened the $65M ETH short weeks ago. still there. what got me looking again is the overall board. every single high-accuracy wallet is short right now. zero longs across the whole SHARP group. fear and greed is at 10 and these guys are still adding to shorts not taking profit. one exception and it's a weird one. there's a wallet with 99.2% accuracy — 119 right out of 120 tracked calls. holding a $44M BTC long from $67,418. that's up about 1800 bucks per coin. but the wallet hasn't been active in 3 days so who knows if they're even watching. SOL and XRP are the only things whales are buying. everything else is a dumpster. TAO has $228M in shorts lol. $841M got liquidated in the last 24 hours. i pull this from [swarmintellect.com](http://swarmintellect.com) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Axe_Raider

34.203340 BTC please give mortgage

Good-Locksmith-1705

Came here to say this. Is there a big pool of “first time homebuyers” just sitting on $500k in BTC like oh wow I wish I could afford a house?

Maximum-Fact-5832

"Everyone talks about Bitcoin?" sure sure, but do they know even the tiniest amount about it? Or do they just repeat things they claim to "know" about it; details they only possess (at most!) a superficial understanding of. Not to say people always need to understand things, to invest in them - not everyone is an economist (and consequently, people have fiat), not everyone is an AI Researcher (and consequently, the top 7 companies in the S&P 500 are worth >$20T). You say those who got into BTC when it was less than $50 are the ones that were early. That's a very high bar to set, I wish you luck with that, as you make your way through life - only seeing yourself as early to things that will subsequently grow by >14000% (70000/50); else considering yourself to be "too late". With such an outlook, I presume you have all your money invested in the most speculative end of the NFT market?

cryptorevolution999

"We are still way early". Everyone talks about Bitcoin, and they do even the super bowl ads. But still, we are still early. People who got in BTC when it was less than $50 were early.

Andbosi

I just keep my emergency fund there for housing, everything else goes to BTC. What's the purpose to save paper money nowadays.

ForVictori

Do you know how they are able to lend the funds to you at 1.24% then? Why are they not just depositing their money at bank and earn double the interest? If you don’t want to lose your BTC, these are the questions you need to ask, you have to do your own due diligence. No free lunch in this world.

Calm-Professional103

If I had $600 to spend on crypto and I was new to the space, I’d use it to learn as much as I could 1.  Put half into BTC in a self-custody Lightning Wallet and use it to practice sending and receiving. Maybe find a merchant who accepts it and make a purchase or buy some groceries with an egift card in Bitrefill. Try out Nostr.  2.  Put the other half into ETH, hold it in a self-custody DeFi wallet and stake some of it. Protocols like Kiln will allow you to stake from your own wallet and earn 3% APY paid daily in ETH while you hold.  Don’t expect to get rich on $600 but try not to get rekt playing the shitcoin casino.  Good luck. Have fun. 

Hfksnfgitndskfjridnf

Gotta love the MSTR bulls. “You guys just don’t understand the genius strategy of Saylor. Issuing perpetual stock with dividend obligations of 11.5% forever is brilliant!” Meanwhile their first tranche of STRC issued has already given back 10.1% of the BTC per share it acquired in less than a year. If MSTR stays at this price for another year, even if they start increasing 30% y/y every year going forward, this initial STRC issuance will be a net negative decision.

Sally_Lessey

Of course. But you should know that 85K is not BTC's highest point, so the current 68K is only temporary

Daedalus_Knew

MSTR is a BTC company, they don't have a responsible option that involves selling Bitcoin. That would destroy them.

Own-Kaleidoscope6429

Depends. Are you investing to make a short return, buying vehicle of utility and wealth transfer, holding as a store of value, or transferring to a more secure type of asset than the dollar? BTC can be treated like a stock, but it isn’t.

Zdendon

Rate is too good to be reasonable. What is their economic model ? They can safely use the money to generate much more than 1 percent. So why would they do it ? They probably will use your BTC to earn them money in a very risky way.

caccamo88

these episodes are welcome, I am really worried this time are late in coming, still not many are declaring BTC death so a huge dump yet to come

LushLustPin

Yeah I kinda feel the same. Price action looks more like “polite grind up” than “bull run” right now. BTC at 70k *should* feel euphoric, but instead it’s like everyone’s staring at the chart going “…so is this it?” Volume is meh, alt rotation is weak, and ETH feels like it’s just existing rather than leading anything. To me it looks like a slow accumulation / repricing phase, not a proper breakout. Big money seems willing to buy dips, but not chase. Retail doesn’t feel back in full yet either. I’m just DCA’ing and keeping some dry powder. If this is the start of a big leg up, cool. If we get a proper flush first, also cool. This isn’t screaming “top,” but it’s definitely not screaming “send it” either.

inadyttap

i like it better when BTC is above $69420

Own-Kaleidoscope6429

Hey at least you’re not being a *** about it. It’s okay to look stupid, at least you have conviction in something you think is constructive. 2021 to now, which has lost more of its value: BTC or the dollar? Nuff said, I DCA.

Trashfishbotanicals

I think it’s not so much that the value of BTC going up as it is dollar value going down

bitboy2233

Stop thinking this way… buy now and HODL stop waiting for smaller dips…. You need a LONG term outlook for BTC not scalping into positions

mrgoldnugget

actually it was MDMA, great stuff too, but I would really use that 50 BTC now.

Select_Aide_6548

Think about it this way: If you buy at todays price, you buy it for **less than the average price** paid by the top BTC buyer / pumper (Saylor).

DeoVeritati

I've been in since 2017. I'll be real, I'm NOT sure of really anything, so I diversify. I don't have the risk tolerance to be in any one or few assets to a significant degree. My BTC portfolio has pretty consistently been about 5-10% of my portfolio, so I get to benefit from the potential gains it has or mitigate the damages if it goes and stays south. I'm optimistic with bitcoin, but my last, and really only, trade was somewhere in the $70k in which I bought back in at $63k. $70k was a target I set like 7 or so years ago but missed the first time it hit $72k, so I say take emotion out of it. Otherwise, I haven't really contributed since like $15k? Pick an amount of money you'd be okay with if it ever became $0, pick targets where you'd want to make a profit, and pick targets if you want to mitigate losses and stick with it.

fake_review

I started with about 20 Cryptos, Polygon, Algorand, Shib, some low cap coins…. Most were sold at a loss or totally failed. Luckily I invested mostly in Bitcoin, XRP and HBAR and still sit on a good plus with these three only. But honestly, XRP is play money by now, I dont even expect much progress from them anymore. Just waiting for the next cycle. Start with BTC and see how it goes.

goodlordnotslum

Happy to know I’m not the only person 100% BTC , I was starting to feel crazy a little

Allin_Or_Allout

Never 1 million. Not in this lifetime, not on this planet, if BTC is available on Pluto, not even then.

Imjusthereuser

Cause BTC go up. Utter money go down :/

HSuke

> The company has made it clear they are pivoting toward artificial intelligence and high-performance computing. The big difference between MARA and MSTR is that MARA is acting more like a responsible company that values its shareholders and profits. Meanwhile, MSTR is still diluting and canabalizing its MSTR shares for its premium shares and BTC holdings.

SatoshiNakamotto

Her BS translated to real talk: Our whales have been manipulating the market for the past few months and shaken the tree just enough for the little Sat holders out there to chicken out and sell at spoiled fish prices. We at MS, want to buy as many Bitcoin as possible- at the lowest possible price, because we obviously know that BTC is jumping on a rocket 🚀 very soon.

Awkward_Potential_

>Yeah but it only works if there’s a common understanding of the issue and that the majority agrees on the fundamental properties of BTC … That hasn't been true for the last 15 years and it hasn't mattered.

Successful_Big_3423

That would depend on what you define as ALL IN I would consider myself to be ALL IN, Yes. How you define that may differ though. Honestly, I follow my own time-cycle [endianengine.com](http://endianengine.com) You can download the APK sideload if you like but I'll understand if you do not. My app will tell you when to buy and sell every 4 years once you see what it's doing I created the app from scratch with the help of AI Bitcoin Metronome I haven't worked a "job" in over 5 years since, I don't have to. Is what it is. I just want to help people but I generally stay in the shadows, watching - or not at all. BTC has a cycle - grab my app - learn the cycle - never work again I'm never fucking going back !!! So, yeah - ALL IN !!!!!!!!!!!!!!!!!!!

CharlesOregano

I wouldn’t say it’s massive, but it’s good news. I know some cases from people who sold BTC to buy a house, so it makes sense some companies see this as a business.

Successful_Big_3423

You'll here a lot of the "YEAH BTC" when you are in the BTC room - lol I've been here since FEB 2013 I don't do social so sorry about the 5 day old account or whatever I'm at. I hate social media BS BUT - here I am again. So DM me if you want to talk These folks are fanboys and they have nothing but the "good" thing to say about BTC Bias destroys honesty, truth be know. I've live through it all and you can ask me anything. I'm not gonna lie to you or sell you fluff. All my software and apps are free - lol - just kidding, but they really are free \[not gonna push my link or ware on you-promise\] Anywho - hit me - or not

2xfun

Yeah but it only works if there’s a common understanding of the issue and that the majority agrees on the fundamental properties of BTC … almost everyone is financial illiterate (they still think inflation is the cpi metric) and they can’t tell coin clown from BTC  This will likely never change … idiocracy and debt enslaved wins 

ghostbackwards

i swear I recall getting tipped in BTC here on reddit in the early days but how would I even go about finding that.

Flamboiant_Canadian

I'm just waiting on a major correction for BTC before putting anything else in. The market has been bleeding pretty steady and everyone is consolidating back into BTC.  I'm just waiting for the inevitable dump to stock up on my favourite alts.  If you don't think it can go lower, you haven't been around that long lol. 

A743853

40% BTC 30% AI Compute (Basket AI coins like TAO) 30% Privacy (Basket Zero knowledge coins)

Successful_Big_3423

Give it a few days and let the adrenaline run it's 1/2 half cycle. Maybe one day you'll figure out that a BTC DEV is not a fulltime job. More like babysitting the code so that nobody changes it in a way that "breaks it". Because - LOL - If you want to fuck with BTC - then fork it and GO NUTZ !! Because better people then yourself have tried and failed to join the BTC team, only to be turned away. The creator of DASH was one of them, Xcoin > DarkCoin > DASH >>> THAT was Evan Duffield. Except we was a coder and he knew his shit. I'm not trying to bust your balls here but publicly stating that you want something, does mean your gonna get the keys to a billion dollar ANYTHING !! Go FORK BTC and have fun. It's what your suppose to do.

KCConnor

100% of his future is probably not 100% of his assets. I'd say I have 100% of my future in BTC, while it probably only represents about 1/3 of my net worth in USD right now (the rest in a small 401k, majority equity in my house, and a piece of land I purchased last year after liquidating some BTC). By the next bull run, just by BTC flexing to new highs, it should represent about 3/4 of my net worth. "My future" is that piece of land I purchased, and the BTC I currently have. I don't even want to think about "my future" being the rules around 401ks and conventional retirement. I can't stomach the notion of slaving the cubicle life into my 60's. It's a vaguely viable second option, but it's as appealing as an Orwellian apartment in London. So I'm 100% in BTC as my future, too.

OkFarmer3779

This is just treasury management, not a signal. Bhutan mines BTC via hydro and periodically liquidates to fund government operations. They're not bearish, they're running a sovereign fund. The interesting question is what happens when more small nations adopt the same model.

Dovienya55

Nah, pizza for weed smokers is where the BTC money was. People were buying pizzas for like 20 BTC back in the day.

Cryptomuscom

Sticking to BTC instead of getting distracted by alts is a lesson most people learn the hard way.

VastPresence2412

A combination of the quickly increasing debt the US is in, and the fact that they think they can solve this problem by printing money out of thin air. This my good sir is absolute stupidity. Making the citizens pay for the governments poor financial choices. BTC can never be printed and can never be inflated. 21 Million coins, trust-less, secure.

chichris

Been using River for years and they are by far and away my favorite BTC app. Sorry you are having issues.

PheelGoodInc

I've been using River for about two years for their BTC interest. I've no had issues and always withdraw my sats.

rocket_beer

That isn’t doing that though. Using coinbase, you pay them in USD (fiat). You never have any ownership of any BTC at all.

AnxiousSeason

The[ US Asset Market ](https://www.visualcapitalist.com/wp-content/uploads/2024/12/US_Asset_Markets_by_Size_SITE.jpg)is massive. BTC is what? 2 trillion? And the vast majority of that is owned by boomers who do not invest in BTC. So what happens in the next 10-15 years as they die off and leave their assets (houses, stocks, bonds) to their kids? Do the kids keep the money in stocks and bonds? Do the kids keep the 8 houses? Or do the kids sell that stuff and invest in crypto? See the treasuries market? 26 TRILLION. BTC is 2. Real Estate is almost 60 TRILLION. So what happens if even 10% of total US Assets move to BTC? If BTC is where its at, at 2 Trillion, what happens if that 2 trillion jumps to 10 trillion? That's nothing compared to total US assets market, right? So what happens to the price? Well, its a 5x from here, meaning about 400k BTC.

ShitcoinJoe

Then name me a time or pricetarget when 7% discount on buyprice makes no difference. 7% is 7% if BTC is 10k, 100k or 10 million

DiamondHandsDarrell

This is great news, especially for early miners, because now you could use BTC without having to realize your gains. Which in this case are going to be long-term capital gains the full value.

No-Wrap3568

Coldcard is definitely up there if you’re going BTC-only and super into air-gapped setups, but it’s not very beginner-friendly and pretty limited beyond Bitcoin; BitBox is clean and simple but still relies on the usual single seed phrase model, same with Trezor Model T which has had physical attack vectors shown before ([https://cointelegraph.com/news/trezor-wallets-can-be-hacked-kraken-reveals](https://cointelegraph.com/news/trezor-wallets-can-be-hacked-kraken-reveals)). Personally I moved away from that whole “one seed phrase = single point of failure” design after reading about leaks like this [https://finance.yahoo.com/news/seed-phrase-leak-crypto-wallet-100229033.html](https://finance.yahoo.com/news/seed-phrase-leak-crypto-wallet-100229033.html). Just put your cypherock to BTC only and it should be good to go for the following reasons:- 1) Supports non-KYC inheritance 2) Backs up the seedphrase of the other wallets that you have 3) Has in App swaps And easy to use

therealharajuku

think back to 120k+ BTC and tell me you’re not buying. it doesn’t matter if the bottom is 50, 60 or 85k. it’s still way down. if you’re not chasing fast percentages but want this long term not buying below 70k will sound crazy in a year or three from now.

AgitatedTelevision16

DCA HBAR, BTC, etc

Interesting_Loss_907

This is why many people lose money trying to trade or time the market. The times you \*should\* be buying the most are precisely the times most people are terrified of doing so. I remember the long, difficult bear market of 2015 when we hovered around $200-250 /BTC for what seemed like an eternity. To this day I kick myself because I \*reduced\* the amount of $ I was investing out of fear, rather than increasing (or at least maintaining). You’re doing the right thing to DCA through the bear market.

GamerRevizor

A Bitcoin CFD on XTB is just a bet on the price, not actual ownership of BTC, so you can’t withdraw coins and you take on leverage and fee risk. For long-term investing, buying real Bitcoin and holding it in your own wallet is usually the safer approach

TheresNoSecondBest

>Borrow €80k against 2.2 BTC at ~1.24% APY (Morpho) That's not how it works, mate. You have to exchange your BTC for a shitcoin token created by a shitcoin casino, running on top of another shitcoin. At that point, **you won't own any real bitcoin**. And for the whole duration of the loan, you'll hope the shitcoin won't lose peg to bitcoin, something we've witnessed before.

No-Wrap3568

Your strategy (DCA into BTC over time) is honestly one of the safest approaches, just buying consistently regardless of price tends to beat trying to time the market. Ledger Nano S Plus is decent for €50, but it’s not exactly risk-free given past leaks + phishing issues ([https://www.bitdefender.com/en-au/blog/hotforsecurity/hacker-publishes-stolen-email-and-mailing-addresses-of-270000-ledger-cryptocurrency-wallet-users](https://www.bitdefender.com/en-au/blog/hotforsecurity/hacker-publishes-stolen-email-and-mailing-addresses-of-270000-ledger-cryptocurrency-wallet-users), [https://cointelegraph.com/news/hackers-fake-ledger-apps-to-steal-seed-phrases](https://cointelegraph.com/news/hackers-fake-ledger-apps-to-steal-seed-phrases)). Personally I’d look at alternatives like the cypher rock hardware wallet, it works great as a bitcoin-only compatible wallet too)

Awkward_Potential_

Ok, just checked the BTC DCA calculator. If you DCAd $100 every 2 weeks, for the last 5 years, you'd have spent $13k and currently have almost $30k. Just checked the NASDAQ and it was at $13k 5 years ago. Pretty similar. The S&P underperformed both. Bitcoin Dollar Cost Average https://www.bitcoindollarcostaverage.com/

mrjune2040

Calling it a ‘dip’ is just trading bro psychological cope. The price might go up, it might go down- but the price is the price. It’s a marketplace with two sides of an order-book- this isn’t a fucking sale/dip/discount/‘insert other moronic phrasing here’. And calling it a dip also shows that you have no appreciation for downside risk, BTC could be at 50k next week and your ‘small dip’ proclamation could look pretty dumb. If you’re buying for the long-term entry doesn’t really matter, but posts like these that seek to time the market with a presumed ‘bottom’ look pretty silly imo.

SpottedRaptor

It would make sense but year over year they bleed further to BTC so transitioning to btc only is the only move. They’re lotto tickets at this point that don’t necessarily expire after the drawing

Awkward_Potential_

>BTC over past 5 years - 25% Are you assuming we only buy tops? Bitcoin was $16k 3 years ago.

MrLionGuy

I am glad to see I am not the only one looking at it through the lens of 2008. Conversely, that means either: 1. Something about Coinbase, Crypto, and the Pres is fishy; or 2. BTC is about to accumulate more value and this is an arbitrage opportunity for the entities involved?

12345daga

Tech stocks in the last 5 years. I have BTC and I sold when it was 120k. Good exit!

Major-Baseball-5391

Nasdaq 100 has delivered way more returns than $BTC over the past 5 years for sure. BTC over past 5 years - 25% Nasdaq 100 - 85%

Interesting_Loss_907

OP as long as you have a long term time horizon, that should be a good strategy. But just be aware we could still see lower BTC lows during this bear market. I wouldn’t be surprised if we dip down into the 50s or even the 40s at some point in 2026-27. It’s possible we won’t see a new ATH until 2028-2029. But as long as you’re committed to accumulating throughout the Bear market, you’ll probably look back on this 3 years from now & smile. I’d keep some dry powder & some savings in the stock market regardless. Good luck.

docherino

SPY has outperformed BTC over the past 5Y

Ourcrypto_news

Love that you mentioned borrowing against BTC instead of selling, smart move.

OrnerySummer7034

From what I'm seeing on-chain, the answer is "both" depending on who you're watching. Large holders are still mostly moving BTC between exchanges and cold storage, speculation infrastructure, not spending. But there's a growing cluster of wallets that consistently send to payment processors and merchant services. The split is getting clearer: one group treats it as digital gold, the other is actually using it. I pull wallet flow data from CoinLobster's free tracker if you want to see the split yourself. What's the volume looking like on those payment projects you mentioned?

Chuckychinster

I've stuck to BTC, Babylon, and XMR and outperformed the overall crypto market by like 9% over the last 6ish months.

RC-5

So they want us to keep the BTC with Coinbase who then holds it for the mortgage company? Pass. 😛

CherryRoutine9397

This looks good on paper but it’s riskier than it feels You’re basically borrowing against something that can drop fast. if BTC dips hard, you don’t just lose value, you risk getting liquidated and losing the asset completely. that’s the part people underestimate That 60% LTV isn’t that conservative in crypto terms either. a normal cycle drop can easily push you close to liquidation, especially if it happens fast The “keep BTC and borrow instead of selling” idea sounds smart, but it only works if you can handle volatility without being forced out. most people can’t because the timing isn’t in their control If it was me, I’d either lower the LTV a lot or just avoid borrowing against it entirely unless you have a solid buffer to add more collateral if things go wrong This kind of setup works until it suddenly doesn’t, and when it doesn’t it’s brutal I write about this kind of risk vs reward thinking in investing, check my profile if you want 👍

Deep_Independent_610

100% of your future in Bitcoin? That means that if BTC goes significantly down, you will end up in the gutter holding up a sign explaining what you are willing to do for money.  I would find that position not entirely without stress, unless you know something we don’t.  Or unless you are already in said gutter.  Remember believing BTC will go up is not proof that it will. 

Stats_DontCare0

CFDs and actual BTC are pretty different things. With a CFD you’re basically trading the price movement, not owning any bitcoin, and there’s usually fees, spreads, sometimes leverage involved. A lot of people in this sub will tell you to just buy and hold actual BTC instead of messing with CFDs. Less counterparty risk and you’re not depending on a platform to pay out. CFDs can work for short term trading, but for “investing” they tend to be a rough deal for most people.

uncapchad

Using an AI summary because WSJ story is behind a paywall: Coinbase and Fannie Mae partner with Better Home & Finance to launch **Bitcoin**\-backed mortgages for U.S. homebuyers. Borrowers can pledge Bitcoin or USD Coin as collateral for down payments, allowing them to keep their assets and avoid triggering taxable sales. The loans are structured as conforming mortgages backed by Fannie Mae, meaning they follow standard underwriting rules and carry the same protections as traditional home loans. Lenders will *not* count the full market value of your Bitcoin. They apply **“**adjusted valuations**” -** a haircut - to account for volatility. If you pledge $100,000 worth of BTC, the lender may only treat a fraction of that as usable collateral. Coins must be held on a US regulated CEX and will be monitored. If Bitcoin crashes, the crypto loan may require more collateral or trigger liquidation but the mortgage remains unaffected. So in effect, you get cash for your Bitcoin, give that cash to Fannie Mae. - Fannie Mae only sees cash coming into the mortgage

ReadingTheSign23

This is one of those posts that feels obvious in hindsight but hard to act on in the moment. The “extreme fear while fundamentals quietly improve” thing has played out so many times, yet it still messes with your head when you’re in it. I do agree the market feels more macro-driven than ever though. BTC reacting to geopolitics and tech sentiment instead of just crypto-native stuff is still weird to watch. Makes it harder to trust short term moves. I’m basically in the same camp. Not really doing anything aggressive here, just sitting on hands and trying not to overthink every red candle.

ConsiderationThat780

BTC and all Cryptos are doomed. A realization that it’s not really anything more than a gaming coin will cause a sell off. I’m predicting its drop to the $40 and $50 range by summer…!

chainer3000

Yeah legitimately did something similar. Bought lots of weed. Then was careless with the wallet and lost access even though it had 27 BTC on it, I just didn’t care at the time Well, I care now! Too bad haha

Ok_Location_1092

True, but just because it survived doesn’t mean it will in the future. Platinum is an old tier. The first tier you unlock with 5k+, 10% Nexo is now called classic. BTC yield is 2%, +1% fixed term, +.5% Nexo. The next tier up requires $100,000 account, and only bumps up the max yield up to 4.25 from 3.5% in classic tier.

XapoBank

It’s the classic dilemma, and not wanting to sell a pristine asset for real estate is exactly the right mindset. But honestly, a 60% LTV in this market is going to cost you a lot of sleep. Borrowing against your stack is the smart macro play, but you have to respect Bitcoin's volatility. A 20 or 30 percent wick down is just a regular Tuesday in crypto, and at 60% LTV, that puts you in immediate danger of a margin call or forced liquidation. For those of us who have lived through real drawdowns with leverage, the general rule of thumb to actually survive is capping your LTV at 40 percent. That's usually the standard for conservative lenders because it gives you a massive buffer to weather a nasty drop without getting wiped out. If you go the Morpho route at 60%, you absolutely need a dedicated reserve of fiat or extra BTC sitting on the sidelines ready to top up instantly. Otherwise, try to restructure the down payment so you can bring that leverage down closer to 40 percent. It's just not worth losing your Bitcoin over an apartment. Of course, NFA...

Ok-Onion-5073

I feel the same caution, BTC near 70k still lacks conviction. While I wait for a cleaner breakout. I use Coindepo to stake and track positions effortlessly, keeping my portfolio steady without forcing trades in this heavy market.

CizzGotRizz

I feel you on the burnout… I only listen to folks who report on the crypto news, and tune in maybe once a week… not guys who try to influence and tell you what to do with your money. my strategy is just DCA biweekly buys you’ll be back before long & so will BTC 🚀

Fit-Poet6736

hey welcome to the rabbit hole lol. honestly for someone just starting out id check out Nexo, you can earn interest on your crypto just by holding it there which is pretty cool when you're still figuring things out. they've got lending, a card, bunch of stuff built in so you're not juggling 10 different apps. main advice tho: stick to BTC and ETH at first, don't yolo into random altcoins cause some guy on twitter said 1000x, and never put in money you actually need. also ignore every DM you're about to get from this post lol. good luck man

ElevatorMate

Only BTC. Seriously. Take heed or lose money.

Ok_Location_1092

Fuck dealing with that many alt coins. If you’re not actively trading, stay away, risk/reward is only viable if you’re planning to track meticulously and time entry/exit, not DCA. Personally I’d stick to BTC, dabble with ETH, then get your alt fix with LINK.

Fit-Poet6736

I get the caution after 2022, but Nexo is kind of the counterpoint here. Celsius, Voyager, BlockFi, Genesis all went bankrupt. Nexo didn't. Their over-collateralized lending and conservative risk management kept them standing when everyone else fell.  The token thing is a loyalty perk, not a requirement. And their platinum rates aren't bad when you consider the risk profile. 6% on BTC and borrowing from 1.9% on a platform that's never lost client funds is solid. Higher yields exist, but 2022 showed us where those end up. Waiting for a confirmed bottom just means your crypto sits there doing nothing.

-ArcticWolf

Depending how risky you want to go. You can buy majors like BTC, ETH and Sol. Alts like Hype, JUP and Pengu. Or "riskier" plays like recent memecoins that have held up like Buttcoin, Punch and Testicle. Imo don't bother day trading new pairs within meme coins until you understand how the market functions. Fair warning it's extremely volatile. Easy to make money hard to keep it. Good luck.

GIGAbtcHodl

Happy bday and did you already buy 40Eur worth of BTC?

ThatInternetGuy

Trust me, you would have sold all your BTC at $900. Back then $1000 already felt unreal and unsustainable.