# Bitcoin Backed Lending

Source URL: https://blockstream.com/bitcoin-backed
Updated: 2026-11-13T14:54:56.000Z

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*BITCOIN-BACKED LENDING*

## Private, verifiable, bitcoin-backed lending.

Lend and borrow against bitcoin, with continuous verification, confidential transactions, and two-minute settlement.

- [Talk to our team](https://blockstream.typeform.com/to/SWKNyzvS?typeform-source=blockstream.com)

*THE PROBLEM*

## Bitcoin-backed lending needs better infrastructure.

Bitcoin is pristine financial collateral, and demand is growing. Today, borrowers face a trade-off between fast, automated lending with greater risk and traditional facilities with slow, manual processes. Lenders lack the visibility and independent verification needed to assess pledged bitcoin with confidence.

  
Financial institutions need:

### Greater access to liquidity

### Confidence in collateral

### Flexibility to manage risk

### Privacy with shared visibility

### Faster, more efficient operations

*THE SOLUTION*

## Unlock more with bitcoin-backed lending.

*FOR LENDERS*

### Lend with confidence and control.

- **Verify collateral independently.**: Confirm reserve backing and account-level collateral allocation without relying solely on custodian attestations.
- **Expand lending relationships.**: Work with borrowers and custodians beyond your existing relationships.
- **Monitor collateral continuously.**: Maintain visibility into pledged positions through confidential, permissioned access.

*FOR BORROWERS*

### Unlock more opportunities with your bitcoin.

- **Access multiple lenders.**: Use one pool of bitcoin collateral across multiple independent lending facilities.
- **Manage collateral flexibly.**: Add, redeem, or pledge uncommitted collateral, and manage lending facilities independently.
- **Move collateral faster.**: Settle in minutes and transfer 24/7.

*For custodians & financial institutions*

## Build scalable bitcoin-backed financial products.

### Enable real-time visibility.

Share a common ledger for 24/7 on-chain collateral monitoring.

### Simplify operations.

Reduce manual reconciliation, repeated verification, and coordination across counterparties.

### Maintain confidentiality.

Share loan information selectively with authorized counterparties without exposing sensitive positions.

### Enforce collateral policies.

Define eligibility, transfer restrictions, and permitted counterparties at the asset level.

### Reduce counterparty risk.

Monitor collateral positions in real time, and leverage bitcoin's liquidity for faster liquidation during market volatility to limit potential losses.

## Why choose Blockstream?

### Strong foundation.

Blockstream was founded by Dr. Adam Back, inventor of Hashcash, the proof-of-work scheme cited in the bitcoin whitepaper.

### Research with deep roots.

Blockstream Research contributed to Taproot, libsecp256k1, and post-quantum solutions alongside the wider open-source community.

### Operating history.

We’ve been building on bitcoin since 2014.

### Engineering depth.

Renowned software engineering specializing in bitcoin, cryptography, and smart contracts.

### Bitcoin-first innovation.

We’re key contributors to bitcoin, enhancing its security, privacy, and efficiency for over a decade.

## Ready to unlock bitcoin-backed lending?

Explore what’s possible with bitcoin-backed lending.

- [Talk to our team](https://blockstream.typeform.com/to/SWKNyzvS?typeform-source=blockstream.com)