Volatility-proof loans are bitcoin-backed loans that eliminate all price-triggered loan-to-value (LTV) actions throughout a loan's term. No warnings at 65% LTV, no margin calls at 70%, no automatic partial liquidation at 85%. No matter how far bitcoin's price drops, collateral stays untouched as long as payments are current.
If the 10-day grace period passes after a missed interest or maturity payment, collateral can still be partially liquidated to cover the overdue amount.
Volatility-proof is offered in select US states for term loans, not for lines of credit. You can choose it when originating a new loan, refinancing, or consolidating. There's no option to switch a loan to or from volatility-proof mid-term.
| Standard loan | Volatility-proof loan | |
|---|---|---|
| Price-driven partial liquidation | Possible at 70% (after 72h) and 85% (instantly) | Not possible at any LTV |
| Maximum initial LTV | 50% | 40% |
| Term | 12 months | 6 months |
| Interest rate | 7.49%–11.25% APR | +2.95% APR |
| Mid-term collateral retrieval | Available | Not available |
| Loan amount | Monthly Payment | Payment at Maturity |
|---|---|---|
| < $250,000 | 13.45% APR | 14.20% APR |
| $250,000 – $750,000 | 12.95% APR | 13.70% APR |
| $750,000 – $2,000,000 | 11.95% APR | 12.45% APR |
| $2,000,000 – $5,000,000 | 10.95% APR | 11.70% APR |
| > $5,000,000 | 10.44% APR | N/A |
Zap Solutions Capital, Inc. dba Strike Lending (NMLS No. 2741098) is a fintech company, not a bank. Loans are issued by Strike Lending or by Column N.A., Member FDIC, depending on the US state associated with your application. To qualify for a loan, you must reside in or have a business registered in a supported US state and have an active Strike account in good standing. Approval and terms are subject to eligibility and collateral requirements. Bitcoin is volatile. For standard loans, declines in bitcoin prices may trigger margin calls and liquidation of collateral. For volatility-proof loans, LTV-based margin calls and automatic liquidation do not apply, but missed payments or failure to repay at maturity may still result in liquidation of your bitcoin collateral. You remain obligated to repay the full loan balance regardless of bitcoin's market value.