Money Protocol

@Xplorer_Report @BitcoinTeacher_ The one line item that decides whether this works is the interest. Rented liquidity at 8-12% quietly eats the assets you're accumulating. At 0% it doesn't — borrow, hold, repay whenever. moneyprotocol.co

Selling BTC for cash only works once, then you spend the cash and it’s over. Wealthy people buy assets and keep them forever, then take out credit against those assets and buy more assets and also live off the credit or cashflow. Example, buy bitcoin, borrow against Bitcoin to pay for down payment on rental property, or another asset of your liking. The game is to aquire more assets, not sell them for cash. Even if it all about Bitcoin only, accumulate, don’t reduce your holdings. Borrow against it instead of selling it. Keep your Bitcoin forever.

How do you feel about selling bitcoin in bull markets? To either: -Buy back cheaper -Fund things needed in life you can’t spend Bitcoin on yet?

@Portfolio_First @BTC_JEDI21 The only thing that ruins that trade is carry — interest eats the stack you're trying to grow. At 0% nothing accrues while you wait, and the contract (not a lender) holds the collateral. moneyprotocol.co

@BTC_JEDI21 I am going to borrow against Bitcoin to buy more Bitcoin :)

Anyone else feeling like this?

@ZephiraNET Onchain, and small amounts are fine — there's no minimum ticket or loan officer deciding you're too small. Borrow BPD against your BTC at 0%, contract holds the collateral, released when you repay. moneyprotocol.co

@ArchLending where can you "borrow against bitcoin" tho. and especially small amounts like that

Bitcoin holder buys 3 BTC for $30,000 in 2020. Worth $195,000 today. July arrives. Summer trip. He needs $50,000. If he sells 1 BTC, he triggers $55,000 in capital gains. Pays $11,000 in tax. Walks away with $54,000. Loses the upside forever. Instead, he borrows $50,000 against all three. Keeps every sat. Pays around $5,000 in interest over 12 months. Summer funded. Stack still growing. IRS gets $0. (This is for informational/educational purposes only and does not constitute financial, tax, or legal advice. Cryptocurrency investments and tax strategies carry significant risks. Consult a qualified professional before making financial decisions)

@JimmySnickles Or skip the banking layer entirely. A contract can hold the collateral and issue the loan at 0% — no program to apply to, no underwriter, no one who can rehypothecate your coins. Already running. moneyprotocol.co

If you want compete in the future of banking you’ll need a BTC collateral program.

@Bitcoin_Teddy The bank version comes with an application, a credit check, and a desk that can move your collateral. The onchain version has been live for a while: 0% interest, no KYC, and a contract holds the BTC until you repay. moneyprotocol.co

🇺🇸 JPMorgan will now accept Bitcoin as collateral for loans.

@iamjohnbaiano 4.2% is the best number on that list and it's still a number. Onchain the carry is 0% — nothing accrues, the balance never grows against you, and a contract holds the BTC rather than a desk. No credit check, no KYC. moneyprotocol.co

Accepting bitcoin:native as collateral is going to be an absolute game changer. It’s the most pristine collateral asset in the world. Once banks fully embrace this, the opportunity is insane. Game over. Here are my @jpmorgan current rates: Business unsecured line of credit: 12.40% Security Based line of credit: 7.14% @coinbase @Morpho Bitcoin Backed loan is approx 4.2-4.8% Bitcoin doesn’t need hype - it just wins in the end.

The tell you flagged — "not a loan collateralized against it, sold it" — is the whole game. A treasury with a $1.25B monetization ceiling had cheaper options than selling. Individuals do too now: borrow against BTC at 0%, non-custodial, no sale, no dividend clock. moneyprotocol.co

Strategy Sells Bitcoin for the First Time, Cracking the Buy-and-Hold Myth Strategy just sold bitcoin:native . Not a hedge. Not a loan collateralized against it. Sold it. On July 5 and 6, the company offloaded 3,588 BTC for roughly $216 million to fund preferred stock dividends, per The Block. Six years of unconditional accumulation, gone as a policy in two days. 🏦 The framework that changed everything Strategy's board adopted what it's calling a Digital Credit Capital Framework, which formally authorizes using bitcoin sales to service capital obligations. That's the structural tell. This isn't a one-off liquidity event, it's a sanctioned mechanism with a $1.25 billion monetization ceiling. The company retains 843,775 BTC and roughly $2.55 billion in USD reserves, so it's not distressed. But it no longer holds every bitcoin unconditionally, and that distinction matters more than the size of this particular sale. On-chain analysts actually caught a 491 BTC transfer before Strategy made any official disclosure, CryptoTimes reported. The timing was awkward: the sale came hours after Saylor had been publicly evangelizing bitcoin's supremacy. That gap between the message and the treasury action is what critics latched onto fast. 📉 The underwater balance sheet behind the move The deeper pressure here is the cost basis. Strategy bought 175,000 BTC year-to-date at roughly $14 billion, a pace that left the balance sheet badly exposed when prices didn't cooperate. Q2 2026 produced an $8.32 billion digital asset loss on paper. Preferred shareholders still need to get paid regardless of where BTC trades, and the new framework is how management intends to do that without touching equity or debt markets. That context reframes the sale less as capitulation and more as a structured yield mechanism. Saylor has built an entire capital stack on top of bitcoin, with Preferred Shares like $STRK and $STRF designed to attract yield-seeking investors. Feeding those instruments with BTC proceeds was probably always a latent possibility. The framework just made it explicit. ⚖️ What the accumulation thesis actually assumed The institutional accumulation argument that drove a lot of the 2020-2025 demand narrative rested on one core premise: that Strategy's holdings were permanent. Analysts, ETF issuers, and corporate treasury desks cited Strategy as proof of concept precisely because Saylor framed BTC as a one-way door. Selling, even at this scale relative to an 843,775 BTC position, reopens the question of whether other large holders face similar capital structure pressures that could eventually push them to the same place. MicroStrategy $MSTR shares will absorb some of the market's reaction here. The stock has historically traded as a leveraged BTC proxy, and investors who bought it as an accumulation vehicle now hold something slightly different. Tickers: bitcoin:native $MSTR $STRK $STRF

@jpmartin The ~10%/yr is exactly what kills borrow-don't-sell — the carry eats the deferral. At 0% the math flips: nothing accrues, so you're deferring the tax, not renting the liquidity. Non-custodial, you set the LTV. moneyprotocol.co

What breaks when you cross the border: • Buy, borrow, die → India has no step-up basis. Heirs inherit your cost. It's buy, hold, bequeath • Borrow-don't-sell → paying ~10%/yr to defer a one-time 12.5% LTCG doesn't pay • "Be your own bank" → 4–5% insurance products. Exit them, don't bank on them • Bitcoin as collateral → 30% flat, no loss set-off, 1% TDS

Finfluencers sells "laws of money." I audited 22 of them from the biggest videos this year. Only 6 are actually laws. The rest are US statutes, heuristics, and sales pitches. Here's what survives — especially if you're Indian or NRI 🧵

@MindMathMoney @Cryptic_Web3 The margin call is a CeFi design choice — desks that rehypothecate and mark you to market. Non-custodial + 0% flips it: a contract holds your BTC, you set a conservative LTV, and nothing compounds while you wait. No desk left to call the loan. moneyprotocol.co

@Cryptic_Web3 Borrowing against BTC instead of selling only works if the loan-to-value leaves room before a margin call. That part never makes the headline.

🚨🇯🇵LATEST: Japanese lender CRYL now offers Bitcoin-backed loans of up to ¥1 billion ($6.2 million), enabling individuals and businesses to unlock liquidity while keeping ownership of their BTC.

@anilsingta Back's warning is really about custody — those coins died because an exchange held them and traded against them. Non-custodial is the opposite: a contract holds your BTC, nothing rehypothecated, 0% interest. Not the leverage-to-buy-more trap he means. moneyprotocol.co

🎙️ Adam Back at BTC Prague: "Exchanges holding customer funds while trading against them" is what killed Mt. Gox and FTX. His rule — never borrow against Bitcoin to buy more.

@_robduda @crypt_shprd That's exactly the case for a 0% loan — nothing compounds, so there's no interest clock forcing you to sell to keep up. Repay whenever, on your terms, and the contract releases your BTC. Non-custodial, no KYC. moneyprotocol.co

@crypt_shprd I never used a loan for that but I'd only do it if I could repay it without selling my Bitcoin 🤔

I am taking a loan to buy more Bitcoin. Crazy or smart?

@AndrewJoseph70 @njshoreinvest @BowTiedBull That's the endgame of stacking. Only thing left to optimize is the carry — borrow at 0% (nothing accruing), non-custodial so a contract holds the BTC, and pulling cash out never costs you the position. moneyprotocol.co

@njshoreinvest @BowTiedBull I've been dca-ing for 8 years. Now I just borrow against my BTC when I need to pull cash out.

Seeing another leg down in interest in crypto, right on schedule. MSTR was just a mini panic, will be another down turn with high probability Good stuff, they'll make the same mistakes as 2022

@metaplanero The margin-call risk isn't inherent to the individual — it's a design choice. 0% interest so nothing compounds, an LTV you set conservatively, and no rehypothecation means no desk can call your position. Onchain, a contract holds the BTC. moneyprotocol.co

10/ What he's saying - An individual can get a Bitcoin-backed, loan but it carries hedge costs and margin-call / liquidation risk - A corporate like Metaplanet issues perpetual preferreds with no margin and no liquidation, backed by its BTC balance sheet. That's leverage that can't get called away in a bear and you can't replicate it as an individual

1/ Dylan LeClair @DylanLeClair had a busy day on X yesterday, replying to @saylor , @jackmallers , and shareholders Put together, it's a clear read on exactly where Metaplanet's head is at right now Here's everything he said, and what it means 👇

@JohnOcker5 @BTCBreadMan This exists. No custodian — a smart contract holds the BTC and releases it back to you when you repay. You draw BPD (a stablecoin) against it at 0% interest, no KYC. Your coins, verifiable onchain the whole time. moneyprotocol.co

@BTCBreadMan Can someone create a bitcoin-backed loan where I still keep my stack in self custody??

Have Fun Getting Liquidated

Bitcoin is finally productive capital on its owner's terms: borrowed against, earned on, put to work without being handed to anyone. Borrow against Bitcoin at 0% interest: moneyprotocol.co #Bitcoin #BitcoinFi #DeFi #Rootstock

The honest caveats: smart-contract risk is real, not zero. Bridges are a genuine attack surface. Liquidity is still thin and the tooling is young. Self-custody means self-responsibility. Learn the mechanics before committing capital.

Ethereum got a decade of DeFi. Bitcoin, the bigger and more secure asset, sat out its own financial revolution. In 2026 that finally changed. A plain-English guide to what BitcoinFi actually is, and where a 0% borrowing protocol fits: blog.moneyprotocol.co/what-is-bitcoi…