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

btc-eur

1 class served in eur

BTC collateral, EUR 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
73.916%2.336%1.681%3014$66m$78m
143.778%2.243%1.673%3014$67m$79m
303.916%2.381%1.644%3014$69m$78m
603.969%2.406%1.665%3014$69m$78m
903.811%2.242%1.675%3014$70m$81m
1803.779%2.180%1.706%3014$78m$92m
3654.202%2.519%1.747%3014$87m$106m
7304.573%2.750%1.812%3014$56m$69m
Collateral coverage per window
WindowBTCOtherMixed pooled
7$10m$9m$48m
14$10m$9m$48m
30$10m$8m$51m
60$10m$8m$52m
90$10m$8m$52m
180$13m$8m$57m
365$12m$8m$66m
730$7m$6m$43m
What this pair costs for your size and tenor is a question for your own client.Connect your AI ↗