Lava’s Bitcoin Line of Credit (BLOC) is a game-changer for Bitcoin holders, letting you unlock dollar liquidity instantly—without selling your BTC or triggering taxable events. With radically transparent pricing, you can borrow up to 50% of your BTC’s value at a fixed rate (starting at 5%), and pay a single annual 2% capital charge based only on your highest outstanding balance. There are no monthly payments, no fixed maturity, and you can repay or add collateral anytime for maximum flexibility. Lava never rehypothecates collateral, and all terms are clearly displayed in the app, empowering users to HODL, borrow, and spend with confidence. The product is available worldwide and was launched by CEO Shehzan Maredia, reflecting Lava’s mission to deliver financial freedom for Bitcoiners everywhere.

• What is the Lava Bitcoin Line of Credit (BLOC)? * The BLOC lets you borrow dollars against your Bitcoin instantly, up to 50% of your BTC’s value, with no monthly payments or fixed terms—repay whenever you want (source: Lava CEO Shehzan Maredia).
• How does the capital charge work? * You pay a single 2% annual fee based on your largest outstanding balance during the year, not on every drawdown or repayment (FAQ).
• Is the interest rate fixed? * Yes, your interest rate is fixed for a year and updates annually; for launch, it’s 5% for new loans (source).
• Are there mandatory payments or a maturity date? * No, there are no required monthly payments and no fixed maturity—pay down or close your line at any time.
• How do I avoid liquidation? * The app displays your LTV and liquidation price; you’ll receive multiple notifications if you approach liquidation, and you can add more BTC or pay down your balance at any time. Lava also offers liquidation protection for extra peace of mind (FAQ).

“The Lava line of credit is the most flexible way to borrow against your bitcoin. It allows you to instantly and securely unlock your bitcoin’s purchasing power at any time without incurring taxable events and without giving up your bitcoin upside.” — Shehzan Maredia, CEO

Ready to unlock your Bitcoin’s potential and never get rugged by hidden fees? Join Lava today and experience true Bitcoin-native financial freedom.