Lava

Lava.xyz offers Bitcoin-native financial services that let you borrow, earn, and spend globally.

Lava.xyz is a Bitcoin-backed lending platform that lets you:

• Borrow USD against your Bitcoin
• Earn yield on USD deposits

Bitcoin-First Lending

• Lava is focused specifically on BTC-backed loans, which matters because:
• BTC is the most widely accepted collateral
• Lower perceived risk vs altcoins
• Strong institutional demand

USD Yield Opportunities

Lava’s USD Yield Account lets you earn up to 6.5% on your dollars by funding Bitcoin-backed loans on the platform.

When you deposit USD, your funds are lent to borrowers who use BTC as collateral. These loans are overcollateralized, meaning the value of the Bitcoin backing each loan exceeds the amount borrowed. Your yield is generated from the interest paid by borrowers, with exposure tied to BTC collateral rather than unsecured lending.

If the value of the underlying Bitcoin drops significantly - or a borrower fails to repay - the collateral can be liquidated. In that case, lenders are repaid principal plus interest from the proceeds. Lava’s liquidation system connects to major market makers to help ensure efficient execution and strong pricing during these events. Under normal conditions, borrowers simply repay their loan with interest, and their Bitcoin collateral is returned.

The account is designed to be fully liquid, allowing you to deposit or withdraw at any time. Interest is automatically credited and compounds monthly.

Behind the scenes, Lava manages liquidity across multiple capital sources, including institutional pools, to maintain balance between deposits, loans, and withdrawals.

Lava positions this model as a compelling risk-adjusted return on USD, driven by demand for Bitcoin-backed borrowing. The platform is built to make this strategy accessible to both individuals and institutions globally.

New users can fund their account via bank transfer or stablecoins, then deposit to begin earning.