Bitcoin Credit in Canada (2026)
Canada is building its first institutional Bitcoin credit infrastructure. Here's what's available for borrowers and investors.
Two Bitcoin Credit Products in Canada
1. Bitcoin-Backed Loans (DWM Canada)
For Bitcoin holders who need CAD liquidity
- Pledge Bitcoin as collateral, receive CAD
- 50% LTV — borrow up to 50% of your Bitcoin’s value
- 12% annual interest, prepaid
- 1-year term, no prepayment penalty
- Institutional custody (Balance Trust)
- No capital gains event — you’re not selling
Who it’s for: Bitcoin holders who need CAD for real estate, business investment, or other opportunities — without selling their Bitcoin.
Contact:
- jacob@1bitcoin.ca
- Subject: Bitcoin-Backed Loan
2. Senior Secured Bitcoin Notes (BTC Inc.)
For accredited investors seeking fixed yield
- Senior secured notes backed by Bitcoin collateral
- 8% fixed annual coupon
- Interest prepaid at origination
- 1-year term, $100K CAD minimum
- 4-tier collateral coverage (1.50x/1.30x/1.20x/1.10x)
- Bitcoin held by institutional custodian
Who it’s for: Family offices, HNW investors, and allocators seeking Bitcoin-collateralized fixed income.
Contact:
- jacob@1bitcoin.ca
- Subject: BTC Inc. Product 001 Inquiry
Gift Bitcoin.
Small amounts of Bitcoin make meaningful gifts, especially for younger family members starting their Bitcoin journey.
Why Bitcoin as Collateral?
Bitcoin is the only globally liquid, algorithmically scarce asset with 24/7 price discovery. As collateral:
- No counterparty risk on the asset — Bitcoin is the collateral, not a promise
- Instantly verifiable — cryptographic proof of holdings
- Globally liquid — can be liquidated at any time if needed
- Fixed supply — 21 million cap, cannot be diluted
The Canadian Bitcoin Credit Ecosystem
1Bitcoin.ca built Canada’s first integrated Bitcoin financial services stack:
- 1Bitcoin.ca → Brokerage (buy Bitcoin)
- DWM Canada → Custody + Bitcoin-backed loans
- BTC Inc. → Structured credit products
Canada’s first Bitcoin bank in progress.
- FINTRAC Registered MSB
- Non-Custodial
- Bitcoin-Only
- 20,000+ Canadians Served Since 2020
- 4.8★ Google Reviews
Own Your Future with Bitcoin
We make it simple for Canadians to buy, sell, and onboard to Bitcoin—safely, securely, and without the noise of the crypto market.