Bitcoin Loan Statistics 2026

What Bitcoin borrowers should track

The most useful statistics are current APR, max LTV, origination fee, collateral type, minimum loan size, geography, custody model, and whether the rate is fixed or variable.

Broad market-size estimates are less useful for an individual borrower than platform-level terms because availability and pricing vary heavily by jurisdiction and loan size.

How to read APR data

Advertised APR may apply only to low LTV, large loans, specific collateral, or approved geographies. Always compare all-in cost for the amount, term, and LTV you actually plan to use.

How to read LTV data

High LTV increases capital efficiency but reduces safety. A platform offering 70% LTV is not automatically better than one offering 50% LTV if the safer lender has stronger custody and lower fees.

The post-CeFi-cycle lens

After prior crypto lender failures, platform risk belongs in every comparison. Borrowers should ask who controls collateral, whether assets are rehypothecated, how margin calls work, and what happens in insolvency.