The Bitcoin Credit Stack
all rates APR, act/365 · as of 2026-09-04

Indicators · credit

Terminal Conviction Index

tci

Long-tenor lender conviction relative to the short end. A regime signal, not a rate.

Unitsratio
Computed at2026-09-05T04:00:34.349Z
Historyserved

Reading

pairWBTC/USDC
computed_at2026-09-05T04:00:34.349Z
tci0.42475266864304334
regimeBEARISH
short_fit
a-12.962464910649215
b16.855652476684774
r20.32607417391438887
rmse0.38439353493372747
n12
long_fit
a-1.4051126420421252
b11.989663251388539
r20.9712917299702104
rmse0.10090557298988277
n3
duration_split_days180
lta_range
min0.3485191471156608
max0.5999399531108812
stable_samples201
total_active_loans15

Where this comes from

RESThttps://api.bitcoincreditstack.com/v1/credit/tci
MCPget_indicator({ indicator: "tci" })

The payload carries more than this page renders — the full nested structure, and for most indicators a daily history this page does not chart. That asymmetry is deliberate.