A smarter way to buy Bitcoin—built entirely on blockchain, so you can verify every step yourself
From your first payment to owning Bitcoin—every step is automated and transparent
Choose how much Bitcoin you want and make your down payment
Your Bitcoin is bought immediately at the current price
Your Bitcoin is safely stored and earns yield while you pay
Fixed monthly payments, then claim your Bitcoin when done
For those who want to understand exactly how it works under the hood
Capital efficiency through DeFi composability
Treasury holds USDC reserves. When a user requests BTC, treasury first checks available balance.
Treasury swaps USDC for WBTC on Uniswap V3 using exactInputSingle for optimal pricing.
BTC is supplied to Aave V3, then USDC is borrowed against it (up to 70% LTV). This can be done iteratively for maximum leverage.
Each iteration: Supply → Borrow → Supply again. Default: 3 iterations at 70% LTV = ~3.4x effective buying power
From creation to final redemption
User specifies BTC amount, down payment %, and tenure. Terms are calculated and locked on-chain instantly.
Chainlink Automation checks payment schedules. Users must keep USDC balance funded. 30-day grace period after each due date.
80% of each payment automatically goes to Aave to reduce debt. Protocol earns spread between loan APR and Aave borrow rate.
Once fully paid, user redeems voucher NFT. Treasury withdraws BTC from Aave and transfers to user.
How USDC and BTC move through the protocol
Built-in safety mechanisms ensure your Bitcoin is never at risk, even if the market moves against you
Hard cap at 75% LTV ratio
The protocol continuously monitors the Loan-to-Value (LTV) ratio on Aave. If BTC price drops and LTV approaches 75%, the system automatically triggers rebalancing.
Treasury funds are automatically used to repay borrowed USDC on Aave, reducing the debt and bringing the LTV back to safe levels.
Aave liquidation starts at ~83% LTV — we stay well below this threshold
10% buffer always ready
The protocol maintains an emergency liquidity fund equal to 10% of total borrowed amount. This reserve is always ready to be deployed.
In case of sudden BTC price drops, the emergency reserve can be instantly supplied back to Aave to prevent any liquidation event.
Of total borrowed amount — ready for instant Aave debt repayment
Your BTC is always protected by multiple safety layers
Built on blockchain, not promises—here's what that means for you
The protocol uses smart strategies to let you lock in Bitcoin without paying everything upfront
Multiple safety layers ensure your Bitcoin is protected even during volatile market conditions
Payments, tracking, and delivery all happen automatically—no manual steps or human approval needed
Bitcoin price comes from trusted market data. All rates and fees are visible upfront and can't change
The system can be improved over time without affecting your existing agreements or funds
Pay off your remaining balance early with a 5% fee. Or exit and claim your BTC equity with a 20% fee
Understanding the 3.4x capital multiplier
Lock in today's price and pay over time—no banks, no credit checks