Lava.xyz is pioneering the world’s first bitcoin-backed line of credit, empowering Bitcoin holders to unlock dollar liquidity without selling their BTC. With a transparent, self-custodial model, users maintain full control of their assets while accessing instant loans and spending power—no monthly payments, no token gimmicks, and no trusted third-party risk. Lava’s Visa card lets you spend from your loan’s stablecoin balance and earn 5% back in Bitcoin, while dollar lenders can earn 7.5% APY by funding fully collateralized loans. The platform’s security is rooted in on-chain Bitcoin contracts and proof-of-reserves, delivering institutional-grade protection and sub-second loan execution. Lava’s mission is clear: save in Bitcoin, spend in dollars, and never get rugged.

• What makes Lava.xyz different from other bitcoin loan platforms? * Lava offers self-custody, on-chain collateralization (via Discreet Log Contracts), fixed-rate loans with open-ended terms, and instant access to funds—all with no tokens, no monthly payments, and transparent proof-of-reserves. (FAQ)
• How does the Lava Visa card work? * The Lava Visa card lets you spend directly from your loan’s stablecoin balance and rewards you with 5% back in Bitcoin on every purchase, usable anywhere Visa is accepted. (FAQ)
• Is my Bitcoin safe with Lava? * Yes—your BTC collateral is locked on-chain, never rehypothecated, and protected by advanced self-custody vaults; you can verify your collateral at any time with Proof-of-Reserves Plus. (Our Story)
• What are the rates and terms for borrowers and lenders? * Borrowers typically pay ~7.5% APR plus a one-time fee, with no monthly payments and the freedom to repay when they choose; dollar lenders earn 7.5% APY on fully secured, on-chain loans. (One Pager)
• Who is Lava.xyz for? * Lava serves Bitcoin HODLers seeking liquidity, everyday users wanting flexibility, dollar lenders after yield, and institutions needing secure, transparent financial infrastructure—built by Bitcoiners, for Bitcoiners. (Our Story)