BTC

Ok-Onion-5073

If you don’t want to stress over timing $70k vs $40k, that’s where something like CoinDepo fits. Keep BTC exposure, park a portion for fixed CeFi yield, earn passively, and wait without being forced into all‑in or all out decisions.

Fortknightdad2231

Trying to perfectly time this is where most people get stuck. If you believe in BTC long term, splitting entries (DCA + maybe a bit heavier on dips) usually beats going all-in or waiting for some “guaranteed” $40k that may never come. Also be careful with the idea of borrowing against BTC to buy more — it can work, but only if you stay conservative with LTV. Some use platforms like Nexo for that flexibility, but the risk ramps up fast if the market moves against you. No one knows the bottom, but having a plan matters more than guessing it.

AutoModerator

Post is by: CaffeineComaMode and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1se1tub/btc_reclaimed_70k_then_instantly_dumped_under_69k/ So... BTC just reclaimed $70k and already slid back under $69k. I'm kinda overwhelmed by all the conflicting stuff out there and just trying to figure this out for myself. I'm not Saylor, so obviously don't have millions to stack every week - I can only put in what I can actually afford without it hurting. And while "Just DCA bro" is solid in theory, I still gotta decide when to actually start buying more. Not trying to perfectly time the bottom, but if there's a real chance of another decent dip in the next month or two, holding off and buying cheaper later makes sense. One thing I keep going back and forth on - would it even make sense to just go all-in at current prices? Worst case if the bears are right and we get a big drop, I could potentially borrow against my BTC on Nexo to buy more at the lower price and bring my average down. But I honestly don't know if that's a reasonable strategy or just cope to justify buying now. Basically it comes down to this - lots of people on X are convinced we're heading to $40k for one final flush before the real recovery. Lots of others think $60k is the absolute floor and anyone waiting for lower is going to miss the entry entirely. Both camps have people I respect making the argument. The thing I can't get my head around is whether the old 70-80% crash logic even applies anymore with this level of institutional involvement. Saylor alone is buying hundreds of millions every few weeks. Does that change the floor or does it not matter when macro forces take over? Just looking for honest takes on what you're actually doing right now and why. Not after financial advice or moon predictions - just real reasoning from people who've thought it through. *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.*

yatv

On CEX’s yeah… and since then it’s 4x in valued. God bless Haveno. Monero is what Bitcoin was when BTC still had real utility. The primary currency of onion/i2p markets has fully migrated to XMR

ChangeNOW_Community

every time the bank charges a fee, I just stare at my BTC wallet and smile

Think-Sector-6329

yea, that as my reaction too. The name makes it sound like some community-style BTC giveaway. but it ended up just like a promo funnel

ChampionshipMuch591

Getting back into trading but staying more disciplined. Less chasing pumps, more focus on solid setups. Using CoinDepo for steady BTC yield on the side while rebuilding. Passive income helps while waiting for better entries.

VeryThicknLong

Guy’s literally sold everything for BTC.

FriendsMade_MeDoIt

I’ve seen this argument come up a lot and it always turns into a huge debate in my friend group lol. I get the point you’re making, like yeah it’s not a company, doesn’t produce cash flow, and there’s no underlying asset in the traditional sense. But at the same time, most of the people I know who buy BTC aren’t thinking of it like stocks or bonds anyway. It’s more like they see it as a network or a shared system people agree has value. Kinda similar to how we treat in-game items or even fiat to some extent. There isn’t something physical backing it 1:1, but people accept it, so it works within that system. Not saying that makes it “correct” or risk-free, we’ve had plenty of arguments about whether it’s all just hype. But I don’t think people are confused about investing in a company. It feels more like they’re betting on adoption and belief sticking around.

thupkt

LOL ppl be hyperventilating, BTC 160k by 2030? But Cathie Wood promised us $1.5MM at least!

OkBuddy5667

I clearly remember the legendary BTC faucet — there was no talk of any purchases to get a few satoshis. Now it’s an app promotion: buy $100 in BTC and get a small bonus. BIG SCAM Hackers, take down this site!

PuzzleheadedBell4057

So, you're gonna use it as collateral if you want (as per my original post) or you're gonna leave it to your legacy (passing on generational wealth or to create some other form of legacy) because you are NOT gonna be taking it with you. So if you are not gonna do any of these two things what is the point of investing if you're "never" gonna sell? Your arguments are not rational. BTW, I've been investing in BTC since 2017. Started in a trust (Greyscale GBTC when it was just a trust). Sold all, moved all to exchanges and all now in cold storage). DCAing on the 15th of every month for at least the next 5 years. Never sold anything yet, but I'm planning on selling some or all at some point in the future. See. That's rational.

AstralVenture

It’s always a good time to buy BTC.

Shaggy_Mango

1. Buy BTC on Cash App → ~$5 reward 2. Spend BTC with a Square merchant → ~$25 3. Withdraw to Bitkey wallet → ~$50 Just in case anybody wondered. $80 to buy into their entire ecosystem. Pretty cheap customer acquisition cost if you fall for it.

North-Cry-7815

Feels like momentum is building again, but calling it a “boom” might be early. BTC + ETF flows are strong signals, but macro (rates, regulation) still matters. Probably more of a gradual uptrend than instant hype cycle.

No-Wrap3568

Open source, BTC only cold wallet with no previous cases of hacks.

Necessary-Summer-348

The tax implications of switching from index funds to a BTC wrapper are rough unless you're already sitting on losses. If you believe in Bitcoin exposure, dollar cost averaging fresh capital avoids triggering cap gains while you transition. The real question is whether you want synthetic exposure through a fund structure or actual keys, because that changes the entire security and custody model.

ChangeNOW_Community

your prayers worked - $BTC at 70k

Designer-Beginning16

What amount would be a 100% safe stack to retire today without early depletion? (Realistically) 15 BTC, 20 BTC, 25 BTC?

Any_Coffee3847

Give meee 1FL422UKSnaTBu1GtFmq7dbQPG9S3jPC55 BTC🥹🙏

ChangeNOW_Community

keep your trip money separate. BTC is long-term, not short-term cash

StaticAutomatic202

Titles love to make it sound like these things are corelated but the reality is that they are not... If fear of war and "deadlines" fueled a BTC uptrend we would be at $1M right now

isaacvictory

One approach a lot of people take is keeping most of their Bitcoin in cold storage for safety, then putting a smaller portion to work instead of letting it just sit. I’ve seen some CeFi platforms like CoinDepo offering relatively solid BTC yield, which can help your stack grow passively over time rather than relying only on price appreciation.

AlbiBambi

It is always a good time, and it is never too late, to invest in BTC

desTROYer74

I can’t post another pic now but the difference between their market sell and market buy price in the order book is < $1. But they are selling at $1300 above CMP. Daylight robbery. Trading in BTC/USDT is no problem, but converting between SGD and USDT has terrible conversion rates too. I just converted SGD7000 to USDT5342. That’s not a good rate. 1.31. The current USD/SGD rate is 1.28

Antique-Athlete-8838

But when BTC -0.5%, DOGE will still do a -5%

evandollardon

selling BTC is never a good option imo

EmeraldEnvyBop

Yeah this is exactly it, just a different side of the same pain. Love the “fragmentation tax” phrasing, that’s spot on. Your >50 BTC ladder filter is basically the execution version of what I’m doing with headlines: only show stuff that can actually move my book. Makes me want a single screen that’s “CryptoBriefs up top, your ladder below” and then nothing else open.

Classic-Direction778

Most people who try it end up deeper in the hole than when they started. The "buy low sell high" framing sounds simple until you're in a position that keeps going lower. The ones who actually rebuilt came back with a structure, not a strategy. Core position in BTC, borrow against it through something like Nexo when you need liquidity, and stop treating every candle as a decision point.

derbyfan1

I had this exact thought when BTC was at $0.000000011545. This was an ATH at the time. I will let you draw your own conclusion from that.

Bert_Man_520

It’s a currency spread. I do round ups on Cashapp and it’s usually 500$ above what the actual price is. It’s how companies make their egg. It’s annoying AF. If anyone knows a place to swap USDC or Usdt to BTC lmk because Robinhood allows you to swap Fiat for USDC with zero fees and the only fee is a small transfer fee to a non custodial wallet

Hellene_

If you are going to be dollar cost averaging, then YES. Setup a recurring buy. BTC is going to hit the $150.000 in 2027. If you are looking for quicker profits wait until it drops to the 56K - 45K range in the Q3 - Q4. NFA. DYOR.

DependentAnalyst9109

You’re just proving you don’t know how valuable BTC actually is and the minute you’re up a couple grand you will sell. And that is fine, I understand how important of an asset BTC is and that dollars are worthless. So, go ahead and sell your coin. Me personally, I will not be selling anything.

desTROYer74

I have an account there from last year, same problem as it’s not approved in Singapore and I can’t directly deposit money there nor KYC down the road if it eventually became compulsory. I previously deposited money into a KYC exchange (independent reserve), converted to USDT (fees fees fees) and then sent it to my wallet that hyperliquid supports. I’m looking at throwing 3k a month into BTC over the next 3.5 years and don’t want to risk it with large sums.

No-Masterpiece2246

Which is... what stablecoins were made for! USDT: Originally created to pump BTC price by printing "dollars" out of thin air. USDC: Goldman Sachs founder got USG permission to print money when no one else could

No-Masterpiece2246

7 year risk is literally the definition of FUD. Goldman Sachs will probably own half of the world's BTC and rig the price 100% by then anyway.

ChuckFinely69

It will go to $200k when the democrats take the office back so it can feel edgy to own BTC again.

loupiote2

As long as you have your 24-word recovery seed phrase, there is no issue at all, as you can enter it in a newer ledger device (or update the firmware of your old ledger). If you lost your seed phrase, there are ways to recover access to all cryptos secured by your old ledger without having to update the firmware (updating the firmware is not recommended is you lost your seed phrase). As long as your ledger device works and that you have the unlocking PIN, all cryptos secured by your ledger are recoverable. The tools to use and the efforts / difficulty depends on the type of cryptos that are secured by your ledger device. For example, BTC can generally be recovered by using Electrum, connected to your ledger device. Other cryptos may require using older versions of existing front-ends, or in some cases, custom low-level front-ends. Note: It is not recommended to update the device firmware if you lost the seed phrase, because if the update goes bad, you would permanently lose access to all your crypto. So, for safety, the recovery has to be done using the older firmware that is on your device.

oopssomething

BTC +4% in 24h, DOGE +2%. This used to be +8%. I think crypto is maturing.

Shittyzed15

If you’re thinking 20–30 years, consistency matters more than entry price. I’d focus on holding and letting it grow over time.Even better if your BTC isn’t just sitting idle platforms like CoinDepo let you earn while holding.

Full-Atmosphere-4818

Worst mistake.... when it hit $3600 in early 2019 and a friend and I each planned to buy 6 or 7 BTC when it went below $3000, which we were sure would be within days.

ParallelSmoke

Never too late to preserve whatever amount that you want to. Even just 1 dollar in BTC is better than 1 dollar USD over time. Think of it as preservation with large potential upside. If it doesn't go parabolic, it'll still have more value in 5 years than your USD savings will.

Comfortable-Half5165

Keeping it simple and consistent: * DCA (monthly buys) into BTC/ETH—no timing stress * Hold majority long-term, don’t overtrade * Small portion for higher-risk plays (strict limits) * Take profits along the way, not just at the top * Use simple tools/wallets (like LIFE Wallet) for easy management Nothing fancy—just discipline, risk control, and consistency.

IBAN-IBON64

Une partie en STRC et BTC

Walter_White_RV

Hmmmm let's ask the BTC sub.....

AutoModerator

Post is by: OkMagician7867 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1sdouz4/btc_pumped_29_today_smart_money_didnt_flinch/ BTC hit $69,183 and this sub is celebrating. I get it. After 30+ days of Extreme Fear, one green day feels like salvation. But I've been tracking top trader positioning all week and something isn't adding up. Top trader long/short ratio: 0.885. That's short biased. Through the entire pump. They watched $59.5 million in shorts get liquidated and didn't cover. Retail ratio? 1.49 — chasing the green candle like clockwork. This divergence has been active for 30+ days. I've been posting about it since Day 1. Every historical instance of smart money vs retail disagreeing for this long resolved the same way. Smart money won. What happened today wasn't organic buying. It was a short squeeze — weaker shorts got forced out, price spiked, retail piled in thinking it's a reversal. But the daily EMA ribbon hasn't flipped. EMA8 is still below EMA55. The structure is still bearish. The 4H momentum looks strong, I won't deny that. MACD at +232, ADX at 33.4. But momentum inside a bearish structure is how traps get built. The 4H says go, the daily says stop. Higher timeframe wins. And nobody's talking about Trump's Hormuz Strait threat. Oil above $110. Tuesday deadline. If that escalates, support levels become decorative. I'm not chasing this pump and I'm not shorting it. Watching $70,419 resistance. If BTC gets there with weakening volume, that's trap confirmation. If Iran de-escalates and the daily EMA flips, that's the first real long signal this month. A green day doesn't end a bear market. A trend reversal does. What's your read? *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.*

ElPeroTonteria

It’s something on the scale of 7:1 (17:1?), I forget the actual number… but that’s the scale of the derivative market over the spot market with BTC

notrodman

Sold your house to buy 5 BTC in hopes it 2x’s amidst macro uncertainty? Hope you can stomach the dip to $50keks

AutoModerator

Post is by: OkMagician7867 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1sdobna/595m_in_shorts_liquidated_today_heres_why_thats/ Everyone sees the green candle and thinks buyers showed up. Let me show you what actually happened. Short liquidations: $59.5 million. Long liquidations: $20.7 million. That's a 3:1 ratio. Price didn't go up because of new demand — it went up because shorts got forced out. A short squeeze looks like this: shorts build up, price pushes against them, forced liquidation cascades, price spikes, retail sees green and buys, smart money sells into the enthusiasm, price drops back below where the squeeze started. The tell? Smart money didn't move. Top trader ratio is 0.885 — still short. Through the entire rally. If this was a real reversal, they'd be flipping long. They're not. They're watching and waiting. Meanwhile retail went from 1.49 long to adding more. Classic. Here's the part that makes me uncomfortable: the 1H RSI hit 76.6 and StochRSI 85.63. Both overbought. Bollinger Bands on the 4H squeezed to 3.88% width — a big move is coming, but the squeeze doesn't tell you which direction. The positioning does. BTC's Volume Profile point of control sits at $70,419. Price is magnetic to that level. It might touch it. But if it gets there with declining volume and smart money still short, that's not a breakout — it's bait. Saylor says the 4-year cycle is dead. Maybe the cycle changed. But the 30-day smart money divergence is very much alive. I'm flat until the daily structure flips or $70.4K proves itself with volume. Anybody else staying patient or is everyone all-in on this squeeze? *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.*

elreyadr0k

Now. Yes. With his BTC shorts. But the whole reason he had 100 million was because he held like a lunatic before.

Enrrabador

The dude sold his house and went all in on BTC, I think it’s safe to say he will not panic sell

HSuke

BIP-360 only protects against new long-range attacks for anyone who migrates. It doesn't solve short range mempool attacks or longer-range attacks for stuck BTC in P2PK addresses and other early addresses used more than once.

defeater33

Buy ETH and or BTC only. With ETH big swings you can make 80-100% in six months to two years. Be patient.

Fold_Substantial

That would be a 36% return in 4 years from top to top. Per year about 9%. Why not just buy stocks instead at this point if buying and holding BTC isn’t going to outperform stocks…

Desperate-Purpose178

I can crack BTC in one second with a one million qubit computer.

JuxtaposeLife

Too late? If anything, it's too early, since adoption is still growing. There can only be about 0.002BTC per person on earth and that doesn't even start to factor in countries, and corporations that want it too. In the future people will wish they could have bought .002 BTC in under a lifetime.

DreamingTooLong

The all-time high was like 126K middle of October 2025 We are down 50% since then BTC has a four year cycle and the previous four year tops were Q4 2025, Q4 2021, Q4 2017, and Q4 2013 Everyone is giving you advice and warnings. This is one of those things you gotta do your research or it could be a very expensive lesson.

andys811

It depends on what you define as savings, BTC has shown based on history that it generally isn't good for short-mid term savings but is great for long term aka 4+ years, for a trip that's happening soon it's best to put that money aside because there's a decent probability you will have less than if you just have saved

coinegg

i have zero interest in spending a single cent on stocks of companies propped up by fake printed money. stocks value also has zero connection to a companies success. the entire thing is a manipulated joke. I buy assets. BTC is one.

DarKcS

This. The cost of cracking a single BTC wallet has to cost less than the cost of computing it, and the first machine capable of the qubits necessary is roughly estimated to be around 300 billion of R&D and development at the minimum, and that's using Google's latest tech estimates for the qubits required. I think the tech has to get cheaper to see that level of investment, by then we'll have a BTC code update to mitigate the risks, and worst case scenario you send the BTC to a cold wallet with no transactions thus no public key revealed and you wait a little while until it's safe.

Grogers92

Are you talking only crypto investments or your entire portfolio? No offense, but if you don’t at the very least have a retirement investment account (401k, IRA, etc.), you are insane. Diversification is investment knowledge 101. I can understand people not wanting to waste their time on alternative crypto investments (I personally love quite a few of them, but that’s just me), but not investing into stocks, bonds, ETFs, mutual funds, etc. is just crazy to me. All your money depending on BTC. OOF

samuscoped

People not holding BTC will tell you its too late but it’s not at all. Start DCA & dont sell anything for 5-10 years atleast. In 15-20 years it might be too late, but its not the case ATM.

coinegg

Most people will ONLY invest in BTC going forward, forever. Me included.

Letsgotothemovie

LOL. The risk of quantum to the BTC network is basically zero. The risk involved in any non proof of work crypto is built into the software. You never actually own it because they can always change the software meaning they are writing you out. What do you think they mean by “freezing your wallet”?

locustsandhoney

Upper estimates of Satoshi’s wallet is that it may contain around a million BTC. That’s less than 5% of the total supply. And that’s the upper estimate of how much it may be. The supply of gold and silver increase by 5% every few years. It’s not crashing their price. Even if Satoshi’s wallet was dumped all at once, it would lower the price but certainly not unrecoverable crash it. Of course, someone who invested the high costs of cracking the cryptography necessary to access Satoshi’s wallet, would not want to crash the price of the asset they just came into possession of. Assuming they are acting rationally and in their own interests, they would sell it slowly to maximize their profit. But, if they are irrational, dumping it at once would hurt the price but it would be perfectly recoverable. It may not matter anyway because, when Bitcoin is upgraded to be quantum resistant, they could put a lock on pre-upgrade wallets to prevent them from being spent ever again, which prevents hackers from benefiting from abandoned wallets. These are the discussions being had.

More_Butterscotch_38

Make sure your back up has backup put in cold storage wallet drop it in a safety deposit tell no one you know or put it in your will just in case some happens to ya. But like I said not tell anyone they leave it in there for at least 2 years you will see that has increased or set an alert on your phone for a certain amount to alert you if btc it's 85000 or 100,000 they run to the bank sell then wait 3 months it will drop back down buy another 4 BTC take the difference put some back for tax you will owe of course then put that on property. Continue the cycle until you have a million in the bank pay off all debt and retire...... Of course this is all in theory you got to hold that much btc and not spend it I know I wouldn't I love spending it too much to hold on to it. Lol

dimi727

Bad news, tradifi future down. BTC pumps. yeah sure 🤣 totally normal

spb1

i dont think he sold it for BTC, he sold it and wanted to invest the cash somewhere so put it all into BTC. if he wants to hold long term - fine. but it seems he's doing it because he thinks the stock market will go down this year due to iran. If that means he's buying BTC as a short term play then uhhh, yeah , risky

Charlie-boy1

I sold my house at the end of 2022. Rolled all the profits in BTC. Saw my BTC rise in 2023 and 2024 but rolled that into memes and alts thinking it would better my chances. Whatever you do, keep it in BTC only.

rainy_desert

Banks can patch their systems overnight. Bitcoin requires ecosystem-wide consensus for any cryptographic upgrade, and one paper estimated ~76 days of downtime just for the transition.  SWIFT and US federal agencies are already on post-quantum timelines. Bitcoin’s leading proposal (BIP 360) is still on testnet. On top of that, 6.9M BTC already have public keys exposed on an immutable ledger. Adversaries can harvest that data now and crack it later.

jacksonxly

The "fragmentation tax" is so real. I went through the exact same phase with market data instead of news. By the time I cross-referenced a resting whale wall on Bookmap against funding rates on Coinglass, the setup was gone. The fix for execution data is the same logic you applied to news: collapse it into one view with hard filters. For order books, I aggregate Binance, Coinbase, and Hyperliquid into a single ladder, but filter it to only show walls >50 BTC. You instantly see which venues are defending a level without switching tabs: https://preview.redd.it/l8ret2mg5gtg1.png?width=2536&format=png&auto=webp&s=546bdd319a07dd48a3a2092370cae8fa3e91d528

BiggusDickus-

Of course stablecoins can bypass a blockchain. I can snail mail you the key to my wallet and you now own my stablecoins. I could do that with BTC as well. How the "currency" is transmitted is irrelevant to it being "crytpo" currency. Quick question. what actually keeps Bitcoin secure? What is the mechanism that prevents the creation of a million BTC by a central bank? What keeps the number of BTC absolutely secure and fixed at 21 million?

MtGloomy0420

It’s not. Pure distraction as I bought more $BTC lol 😂

Hopeful-Mortgage4681

It is generally a **bad idea** to use Bitcoin for short-term savings (anything you need in less than a year, like a trip). Bitcoin is a "volatile asset," not a "stable savings" tool. While it can go up, it can also drop significantly right when you need to book your flights. For example, in early 2026, BTC saw a **21% drop** in just a few months. If that happens right before your trip, you’d have to either cancel or sell at a massive loss. Bitcoin can be a good option for long-term savings (1-2 years) to capture potential growth until the next peak.

No_Cockroach3179

Buying BTC during the dip? Get your Trezor at a discount too use code V6N6S3

Revolutionary-Cup78

definitely separate your trip money. You can't count on BTC to be worth enough at the time you'll need it. If there is not much of a deal to lose that vacations (example, instead have them a few years later) then yes you could do that

epic_trader

You really should stop posting this comment because it's incredibly ignorant. Upgrading your security if you're a bank is not controversial, it's not difficult and you're not bound by some arbitrary contraints like signature sizes. And even if someone managed to compromise a banks security, it's not like they can just steal everyones' money and get away with it. It's a completely different scenario with BTC, where a bunch of addresses is known to be vulnerable, where the community would rather pretend like there's no threat and never will be, and where if funds get stolen, it's irreversible.

tooheavybroo

7 BTC? 😂 Brother we’re dying trying to get 1btc

owcka

😭how many BTC was stolen?

FromThePits

Assisting with setting up multi-sig solutions for generational bitcoin storage. I only accept BTC as commission for providing this service. Never fiat currencies.

Dsingis

Are you absolutely sure about that? Have you tried checking the transaction ID in a BTC block explorer? The change adress of that transaction should be listed there too. See if that is the wallet your second transaction was sent to.

Eastern-Access-7555

Absolutely not. What I do is way smarter. I buy USDT from OTC desk and convert to BTC onchain directly with leather finance, i wouldn't trust anything else. \[ne va pas marcher a cause du keyword usdt je pense, faut edit jusqua y arriver i guess\]

Eastern-Access-7555

Absolutely not. What I do is way smarter. I buy USD from OTC desk and convert to BTC onchain directly with [leather.finance](http://leather.finance), i wouldn't trust anything else. \[ne va pas marcher a cause du keyword usdt je pense, faut edit jusqua y arriver i guess\]

Dsingis

That is being done for quantum resistance. No joke. As soon as you do a transaction from a BTC adress, the public key is revealed and is thus vulnerable to a possible future quantum attack. So to prevent that, any adress type since P2PKH uses them. The change adress wasn't used to send something so it's quantum safe until it's used to send, then the rest is moved to another change adress. You do control the change adress though. I don't know how it works with Electrum, but look for other adresses, look for ways to generate more adresses and see if they have balance, maybe try sending some BTC from that adress? Is there something called "Coin Control" somewhere?

AutoModerator

Post is by: Boring-Sir2623 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1sdcr2j/how_to_borrow_against_your_crypto_step_by_step/ A lot of explanations of crypto loans are vague or skip the parts that matter. Here's a concrete walkthrough with actual numbers. Step 1: Understand LTV (Loan-to-Value). LTV is the ratio of your loan to your collateral value. Deposit $10,000 in Bitcoin, borrow $5,000 - that's 50% LTV. Most platforms let you borrow 50–90% depending on the asset and loan term. Higher LTV = more cash but less buffer before liquidation. Step 2: Calculate your real liquidation threshold. Real numbers: you deposit $10,000 in BTC, borrow $6,000 (60% LTV). If BTC drops 25%, collateral is now worth $7,500. Loan is still $6,000 - LTV is now 80%. Most platforms warn around 80–85% and liquidate around 90–95%. Starting at 60% LTV, a 33% price drop puts you in danger. Starting at 50% LTV, it takes a 44% drop. That buffer matters enormously. Step 3: Understand loan terms vs LTV. This matters more than people realise. On YouHodler for example: 30-day loans go up to 90% LTV, 60-day up to 70% LTV, 180-day up to 50% LTV. Longer term = lower available LTV = more buffer built in. Choose the term that fits your actual need, not just the one that lets you borrow most. Step 4: Interest rates. Typically 8–15% APR depending on platform and term. On a $5,000 loan at 12% APR for 3 months, you pay about $150 in interest. That's the cost of keeping your crypto position. Step 5: Platform differences. Nexo and Ledn are well-known, offer around 50% LTV on BTC. YouHodler goes up to 90% LTV on 30-day loans, Swiss-regulated. More in r/ YouHodler\_Official on the specifics. Step 6: Manage it actively. Not set-and-forget. Check LTV every few days during volatile periods. Most platforms let you add collateral or partially repay to bring LTV down. Have a plan: at what BTC price will you add collateral? At what price will you repay early? TL;DR: Start at 50% LTV or lower, know what price triggers your liquidation, have cash ready to act. The interest is usually your smallest concern - liquidation is the real risk. Questions welcome *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.*

Confident_Hunter7506

Just patiently wait for some of these BTC treasury companies to fail. It’s going to happen and it’ll be catastrophic as well as the mother of all dips

Bazaruta

Well dude, the market is in a downtrend…so you have to stick to your guns and hold. Nobody knows where the bottom is. If you can handle a good drawdown you are set, institutions are on BTC now, so we know they’ll never allow it to become worthless. Just wait for the next risk on period to make bank!

Blockchainauditor

BTC is not account-based, but is UTXO-based. When you send BTC, you do not transfer the exact amount; you are sending one or more UTXOs, and the recipient receives what you send them and you get back “the change”.

TheresNoSecondBest

6.15 BTC is all you need, mate. Scientifically proven!

Unlucky_Split7536

With 5 BTC you've already won, retire....

--Quartz--

You can have an account based model like ETH that works like a bank account (you see your "balance" and send only what you want, or you can have a utxo (unspent transaction) model like BTC, where each unspent transaction is like a paper bill. So your private keys can validate that you are allowed to spend that bill. You spend it and generate multiple other bills. Like paying 52 dollars with 100 bill, you'll send 52 to somebody (now only spendable with their keys) and are left with a 48 dollar bill (only spendable with your keys). Each of those is a distinct "entry" in the ledger

totoin74

I would start at below 60k and will DCA as it falls. I would start with 5% allocation and then add 1% per 1000 dollars down. A savings account that has 15% BTC would be a bad portfolio. Too risky considering the nature of the portfolio.

Quirky-Reveal-1669

Well, I guess I will be stacking until 7 BTC then, for the next \~22 years...

InvestAISavvy

The miner selling is the part I keep going back to. MARA just dumped $1.1B in BTC, cut 15% of their workforce, and pivoted to AI infrastructure. Social engagement on MARA spiked over 250% in a week from that news alone. They're sitting on 30% short interest. Riot is in a similar boat. So you've got miners liquidating to survive on one side, and Schwab quietly building spot BTC trading infrastructure on the other. That's not a normal tug of war. That's a generational handoff. The weak hands are literally the people who mine the stuff. The strong hands are the ones building custody and settlement rails for the next decade. The $67K level matters, but I think the Schwab launch is the thing nobody's pricing in. When a firm managing $12 trillion in client assets says "we're ready to let people buy BTC directly," that's not a retail catalyst. That's plumbing. And plumbing matters more than price levels.

Different-Limit-2683

Those $50 in BTC already priced-in for end-user by his business by whatever action you’ll choose to do. Scam.

Soggy-Welder2265

Just sold one of my investment cars 🚗 going to pick up some more BTC this week also

dtg99

I’m convinced the average person would have an easier understanding of how to send a rover to Mars than they would of how to store and transact their crypto. Outside of BTC/crypto being an extremely volatile speculative asset there is no real future. At least in your lifetime.

JuxtaposeLife

I sold a house in fall 2024 and moved the equity in Bitcoin around $70k average. I've never been happier. BTC doesn't need maintenance, it doesn't need to pay rent, and I don't have to feel bad about making a business out of raising rent on humans. You'll appreciate this move more and more in time... Bitcoin is a way better place to park long term wealth than housing (which is essentially a depreciating asset after factoring in all costs and pains).

joos_hubert

For a trip later this year I’d keep that money separate. BTC makes more sense for long term savings, not money with a fixed date attached to it. If the market drops 25% right before you book flights, suddenly the trip gets a lot more expensive.

bruce_cockburn

Your xpub address can be derived for reporting and tax calculations to show the sum of all balances from change addresses. Most BTC wallets will provide an xpub address, but there are websites (always download and use in offline mode) that can calculate it as well.