Zero monthly payments
No fixed repayment schedule
Repay on your terms when you want your collateral back.
Commodity Backed Loans consumer banking
Inflation-proof your life.
Fund life's expenses while continuing to hold Bitcoin and gold. Commodity Backed Loans gives consumers a simple account, collateral-backed borrowing, and spending rails without forcing a sale of scarce assets.
Average rate
5% reference APR
Loan positions are managed across DeFi money markets for competitive rates.
Wallet
Secure, user-friendly access
Consumer account experience powered by a simple wallet interface.
Loan calculator.
Estimate the BTC or gold collateral required to borrow USD without selling the position.
USD
Reference only. Availability varies by jurisdiction.
Required collateral updates from live price sources when available.
Gold backing
Gold collateral references XAUT, where each token represents one troy ounce of physical gold. Final custody, issuer, and risk disclosures should be reviewed before launch.
Auto-managed across DeFi money markets.
Commodity Backed Loans routes positions across established protocols and refinances when better rates are available.
Network
Arbitrum
Execution network for low-cost collateral and loan activity.
Market
Compound
Established lending liquidity and rate discovery.
Market
Aave
Deep collateral and borrowing markets.
Market
Morpho
Optimized lending routes and vault markets.
Market
Fluid
Liquidity and lending infrastructure for active routes.
Questions consumers ask first.
Keep answers plain and short. Consumers need mechanics, collateral treatment, rates, repayments, and safety boundaries.
What is Commodity Backed Loans?
A Bitcoin banking experience for borrowing against Bitcoin and gold without selling the position.
How do the loans work?
Users deposit BTC or tokenized gold as collateral and receive a stablecoin loan. Interest accrues until repayment.
Do users make monthly payments?
No fixed monthly payments. Users repay when they want to close the loan and reclaim collateral.
What assets can be used?
The Commodity Backed Loans source positions Bitcoin and tokenized gold as collateral assets.
Roadmap to inflation-proof banking.
Present roadmap claims carefully, with dates and availability marked as planned until production confirms them.
V1 live
Wallet and lending engine
Self-custodial wallet access and lending integrations across Compound, Fluid, Aave, and Morpho.
Q1 2026
Card and security layer
Planned metal card experience, rewards, and enhanced security controls.
Q2 2026
Institutional custody integration
Planned insured custody paths with third-party custody providers.
Open account
Ready to fund expenses without selling scarce assets?
Open a Commodity Backed Loans account and review borrowing, collateral, and repayment terms before taking action.