Bitcoin-Backed Loans in Canada
You can now borrow Canadian dollars using Bitcoin as collateral — without selling your Bitcoin. This product is available through DWM Canada, the custody and lending arm of 1Bitcoin.ca.
How a Bitcoin-Backed Loan Works
You pledge Bitcoin as collateral
DWM Canada holds it in institutional custody (Balance Trust)
You receive CAD equal to 50% of your Bitcoin’s value
You pay 12% annual interest
At the end of the term, repay the loan and get your Bitcoin back
You never sell your Bitcoin. No taxable event. No capital gains.
Key Terms
| Term | Value |
|---|---|
| LTV (Loan to Value) | 50% |
| Interest Rate | 12% annual |
| Origination Fee | 1% |
| Term | 1 year |
| Minimum Loan | Contact for minimums |
| Prepayment | No penalty |
| Margin Call | 80–90% LTV |
| Custody | Balance Trust (institutional) |
Why Borrow Against Bitcoin Instead of Selling?
No capital gains tax. Selling Bitcoin triggers capital gains. Borrowing against it does not.
Maintain Bitcoin exposure. If Bitcoin appreciates during your loan term, you capture that upside.
Access liquidity without disrupting your position. Need CAD for a real estate purchase, business investment, or other opportunity? Borrow against your Bitcoin.
Who Is This For?
- Long-term Bitcoin holders who need CAD liquidity
- Business owners using Bitcoin as treasury
- High net worth individuals with meaningful Bitcoin positions
- Anyone who wants liquidity without selling
Institutional-Grade Custody
Your Bitcoin is held by Balance Trust — institutional-grade, segregated custody. No rehypothecation. Your collateral is not lent out or used by the custodian.
See also:
- Non-Custodial Bitcoin Canada
- Bitcoin for High Net Worth Canada
- Bitcoin Custody Canada
- FINTRAC Registered MSB
- Non-Custodial
- Bitcoin-Only
- 20,000+ Canadians Served
- 4.8★ Google Reviews
Get Started
Email jacob@1bitcoin.ca with subject: Bitcoin-Backed Loan Inquiry