Borrow or Lend
Against Bitcoin

Borrow USDT against your Bitcoin, or lend USDT and earn from what borrowers pay. No custodian. No KYC.

Borrow USDT Lend & Earn
✓ Built for Bitcoiners. Verified by Code.

What can you borrow?

Slide to see the Bitcoin you would post, and the rate today.

$ USDT
$100 $250,000
Collateral needed:
0.0000 BTC
≈ $0
Rate today --

No monthly payments while your loan stays within its collateral limit.

Borrow USDT →

The Lending Pool

Libre is moving to a single variable-rate pool. The fixed-term pools are closed to new deposits and are winding down as their loans repay.

USDT Lending Pool Live
Borrow --

Rate today. It moves with how much of the pool is borrowed — never a fixed term, repay whenever you like.

Borrow USDT →
Lend --

Paid by borrowers. Every loan is backed by Bitcoin you can verify on-chain.

Supply USDT →

Loading live pool data…

Total Value Locked
$339.4K
Active Loans
21
BTC Collateral
3.342 BTC

Two-Way

Borrow or Lend

304%

Overcollateralized

No KYC

Fully Permissionless

100%

On-Chain Verified

Two sides, one pool

Borrowers bring Bitcoin. Lenders bring USDT. The pool prices itself.

Borrow

Your Bitcoin sits at an address of your own. Watch it on the blockchain, any time.

  • Keep your Bitcoin
  • No credit check, no KYC
  • Repay whenever you like
Borrow USDT Look up any vault →

Lend

Every loan is backed by more Bitcoin than it borrows — and all of it is on-chain.

  • Overcollateralized — — today
  • Yield tracks how much is borrowed
  • Withdraw when the pool has liquidity
Supply USDT See every live loan →

Your Bitcoin stays yours

No custodian holds it. No one can lend it out.

Your own address

A segregated vault for every account, secured by MPC-TSS. No shared wallet, no single key.

Never re-lent

Your Bitcoin is not traded, lent on, or rehypothecated. It sits in your vault until you take it back.

Verifiable

Every vault, loan and liquidation is on-chain. Check it yourself, any time.

One price, many sources

No single company decides what your collateral is worth.

Many feeders

Separate block producers report Bitcoin's price on-chain, each from a different data provider.

Median wins

The contract takes the middle report and throws out anything more than 10% off.

Stale means paused

If the feed stops, liquidations stop with it. Nothing liquidates on an old price.

Libre vs. centralized lenders

A protocol, not a company.

Feature Libre Centralized Lenders
Custody ✓ Non-Custodial ✗ Custodial
Transparency ✓ 100% On-Chain ✗ Opaque
KYC Required ✓ No ✗ Yes
Collateral ✓ Segregated Vault ✗ Pooled
Rehypothecation ✓ Never ✗ Common
Control ✓ User ✗ Institution

Meet the Builders

Real names. Public code. Public audits.

Ben Sigman

Ben Sigman

Chief Executive Officer

Ken Orvick

Ken Orvick

Lead Developer

LI

Levan Ilashvili

Backend Lead

Vlad Besermenji

Vlad Besermenji

Mobile Engineer

Crafting the Bitcoin Libre mobile experience for borrowers and lenders on the go.

Leister Alvarado

Leister Alvarado

Smart Contract Developer

Implementing and auditing Libre's on-chain contracts for secure settlement.

Robert Capps

Robert Capps

Infrastructure Lead & Node Coordinator

Operating validator infrastructure and coordinating Libre's global node network.

Andrei Bunea

Andrei Bunea

Cryptography Lead

Driving cryptographic research and security primitives that protect Libre users.

Fred Krueger

Fred Krueger

Investor & Liquidity Provider

Strategic capital deployment and network liquidity provisioning.

Reach the Network

Libre is decentralized. Your questions route to builders, validators, and contributors—not a help desk. Expect candid answers from the people who run the network.

Libre is decentralized. Replies may take 24–72 hours. For faster help, check the Docs or join Telegram.

Ready when you are

Join the two-way marketplace for Bitcoin lending.
Transparent. Permissionless. Built for Bitcoiners.

Borrow USDT Lend & Earn