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

btc-btc

1 class served in btc

BTC collateral, BTC borrowed

As of 2026-09-04 · weighting: borrow by borrowed_usd, lend by supplied_usd; spread computed per pool-day then weighted, never as the difference of the two aggregates

The tenor is an averaging window, not a maturity. The tenor is an AVERAGING WINDOW, not a maturity. Every constituent pool is open-term floating and no borrower agreed a term, so a rising curve means rates were higher further back — not a term premium.

Denominations are different products. btc and usd are different products and are never aggregated (v2 V2). btc = the borrower receives bitcoin; usd = a stablecoin is borrowed against bitcoin collateral.

On the collateral side. The curve keys its series by denomination, not by collateral, so this page cannot filter to BTC-collateralised pools — instead each point carries a collateral_coverage split showing how much of the book behind it is BTC, other, or mixed pooled. Where the mixed share is large the rate is not a BTC-collateral rate, and reading it as one would be the error this note exists to prevent.

Window (days)BorrowLendSpreadPoolsVenuesDebtSupplied
71.956%0.041%1.261%9755$202m$5.38bn
141.514%0.027%1.070%9755$205m$5.42bn
301.237%0.020%0.886%9755$203m$4.99bn
601.106%0.016%0.754%9755$190m$4.67bn
901.209%0.014%0.687%9755$180m$4.44bn
1801.236%0.014%0.607%9755$204m$4.79bn
3651.216%0.013%0.487%9755$277m$6.22bn
7301.180%0.022%0.477%9755$368m$6.12bn
Collateral coverage per window
WindowBTCOtherMixed pooled
7$0$7m$195m
14$0$6m$199m
30$0$7m$195m
60$0$8m$181m
90$0$8m$172m
180$0$7m$197m
365$0$5m$273m
730$0$3m$365m
What this pair costs for your size and tenor is a question for your own client.Connect your AI ↗