Coinlateral

Fuel your BTC-collateralized cash flow at Coinlateral Lending Station⛽️
Set up goal-based strategies ⚙
Bitcoin Lending is not a zero-sum race like trading 🏎

[Coinlateral @coinlateral]

For now, it's fine pretending it's like that, or not understanding.
The bitcoin milkshake is inevitable 💸🍹 and so is BTC as collateral during the transition to the Bitcoin Standard.

[Bitcoin Magazine @BitcoinMagazine]

BREAKING: 🇺🇸 Fed Chair Jerome Powell says #Bitcoin is a competitor to gold, not the US dollar.

[TFTC @TFTC21]

Five years ago, telling your mortgage lender you owned Bitcoin was a red flag. Today, Fannie Mae is backing home loans where Bitcoin IS the down payment.

That's not a crypto startup. That's the U.S. government's mortgage backbone treating Bitcoin as collateral with the same protections as a conventional 30-year home loan.

Here's what changed: 41% of American families fail to buy a home because they can't scrape together the cash for a down payment. Not because they're broke. Because their wealth is locked in assets they'd have to sell, triggering capital gains, paperwork, and a tax bill that eats the down payment itself.

Bitcoiners know this trap better than anyone. You're sitting on life-changing wealth and the system punishes you for trying to use it.

This product eliminates that wall. Pledge BTC or USDC as collateral, receive a loan for the down payment, keep your Bitcoin, pay no capital gains. Rate is 0.5 to 1.5 points above standard depending on borrower profile.

The key detail: no margin calls. No collateral top-ups. If Bitcoin drops in value, the mortgage terms remain unchanged and no additional collateral is required. Market movements alone never trigger liquidation. The only liquidation risk is a 60-day payment delinquency, same as any conventional mortgage.

This is how billionaires have operated for decades. Borrow against assets, never sell. Private banks built empires on this model for the ultra-wealthy. The difference now: it's available to anyone holding Bitcoin on an exchange.

The real story isn't the product. It's what Fannie Mae's involvement signals. A government-sponsored enterprise formally underwriting Bitcoin-collateralized debt means the U.S. housing system no longer views Bitcoin as speculation. It views it as wealth. That's a classification shift that took 15 years to happen and will be impossible to reverse.

[Ark Labs @ArkLabsHQ]

What's holding down the Bitcoin price?

An immature credit market, says @saylor

Want a loan against your BTC? Either pay 10%, or hand it over and risk rehypothecation.

Bitcoin needs credit that doesn't require trusting a shadow bank with your keys.

That's what we're building.

[Coinlateral @coinlateral]

Hey guys, what LTV do you use to avoid problems?

[Coinlateral @coinlateral]

If you sell and #bitcoin resumes climbing, you'll end up with fewer coins.
If you don't sell and bitcoin keeps dropping, you can collateralize a fraction of your stack to stack more.
Hodling is not only about stoicism, it's rational choice.
What's your goal?

[Coinlateral @coinlateral]

The crypto trader, if he wins, is a TA talent, if he loses, it's the fault of manipulation...not of the 100X leverage 😂

The intelligent leverage is conservative, based on a long-term plan and on a collateral that doesn't have only a market of panic traders. For instance, bitcoin.

[Rodney @cryptojourneyrs]

Pure fucking manipulation.

Who else is tired of this shit?

[Coinlateral @coinlateral]

Short fiat, long bitcoin.
#Lugano #PlanBForum #PlanBWeek

[Coinlateral @coinlateral]

Discussing the developments of Bitcoin Banking at #PlanBWeek

Insightful panels for the Swiss Ledger Bitcoin Edition organized by @robertogorini , involving industry builders and innovators.

#PlanBForum #Lugano 🟠🇨🇭

[Coinlateral @coinlateral]

At #PlanBWeek @Lendasat & @arkade_os are announcing their integration 🏗️
Big moves for Bitcoin-native powered finance 🚀

[Coinlateral @coinlateral]

Bitcoin is commodity money since it is backed by real world energy through mining.

ETH is a gas coin, but this gas is completely virtual and disconnected from the scarcity of the physical world, even more since the switch to PoS.

Using the terms digital and virtual as synonyms generates confusion, and "Real World Assets" are almost virtual too.
What does a bond have that is real or physical?
It's a promise of future payment in fiat, which in turn is virtual money, fake.

Choose your collateral accordingly.
Then eventually buy, borrow, drive a Tesla ⚡️

[Elon Musk @elonmusk]

@zerohedge True.

That is why Bitcoin is based on energy: you can issue fake fiat currency, and every government in history has done so, but it is impossible to fake energy.

[Coinlateral @coinlateral]

Math > Geopolitics

[Satora (ex-Lendasat) @satora_io]

92.4% of the time.

That's how often borrowing against Bitcoin beats selling it. Here's the math that'll change how you think about your Bitcoin forever 👇🏼🧵

[Coinlateral @coinlateral]

@noufsmith Let's build the bridge 🏗️📙

[Coinlateral @coinlateral]

@SwissHodler Smart move

[Coinlateral @coinlateral]

Not using credit in a credit-based financial system results in an opportunity cost. The opportunity for bitcoiners is to borrow fiat credit money against hard commodity money, to avoid selling, preserve and grow #bitcoin wealth.

[Michael Saylor @saylor]

Bitcoin is money. Everything else is credit.

[Coinlateral @coinlateral]

Buy, borrow, drive.
Still, Brandon is right when looking at percentages.

[Brandon Turp @brandonturp]

If your car payment is higher than your monthly Bitcoin buy then natural selection is coming for you.

[Coinlateral @coinlateral]

At this stage, low borrow interest rates come with tradeoffs like these: custodial lending + wrapped bitcoin–in the worst case scenario, paper bitcoin.

[Breadman @BTCBreadMan]

“You can always get your coins back if we happen to have coins to give you at the time.”

[Coinlateral @coinlateral]

Most institutional investors reason in fiat, so the cash flow from ETH staking is less predictable than that from bonds.
Instead, using BTC as collateral with a conservative LTV allows for planning annual or monthly cash flow which is stable in fiat terms.
Shorting fiat by borrowing against hard money is much preferable to staking, which is an inflationary mechanism that dilutes the asset.

[Andrew Lokenauth @FluentInFinance]

@willywoo Institutions love predictable cash flows. ETH staking yield is giving them exactly that, which BTC can’t replicate.

The fact that treasury accumulation is public shifts psychology. Once one firm does it, others fear being late.

[Coinlateral @coinlateral]

Not Your Coins, Not Your Strategy.

Saylor is a brilliant and pioneering financial engineer, and Strategy offers products that can accelerate Bitcoin adoption, or rather exposure, at the corporate and institutional level. Like it or not, it's game theory in play, and Saylor is playing artfully.

An individual Bitcoiner buying $MSTR does so to try to outperform BTC benefiting from the leverage effect.
It therefore makes sense to question the sustainability of Syalor's model and the opportunity cost of investing in stocks rather than staying conservative with the equivalent in bitcoin in cold storage or using leverage, but managing directly the long strategy based on one's own goals and risk management.

There are various ways to use leverage with bitcoin, including custodial ways by keeping control of your collateral.
@Coinlateral is on a mission to inform about tools and strategies for Bitcoiners who want to remain asset managers of their own bitcoin treasury.
Your coins, your strategy.

[Protos @Protos]

The $MSTR Ponzi scheme debate is exploding across social media.

Andy Constan @dampedspring claims @Strategy is “mostly a Ponzi scheme,” earning hundreds of thousands of views.

@LynAldenContact pushed back, leading to a heated, hour-long debate on What Bitcoin Did pod... 🧵

[Coinlateral @coinlateral]

Lendasat has just unlocked BTC superpowers as collateral at your fingertips 🪄

[Satora (ex-Lendasat) @satora_io]

Lendasat is now live on mobile!

Built for virtual cards 💳 Collateralize BTC, spend fiat.

- 0% interest if paid back within 30 days.
- Receive dollars on a @paywithmoon card instantly.
- Pay back in BTC or stablecoins.

DM us to join the waitlist

[Coinlateral @coinlateral]

@lendasat Your Coins, Your Strategy.