Bitcoin Credit in Canada (2026)
Canada is building its first institutional Bitcoin credit infrastructure. Here's what's available for borrowers and investors.
Contact Us for Bitcoin Credit Inquiries →Two Bitcoin Credit Products in 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
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
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