Question 1

What is BitStack?

Accepted Answer

BitStack is a Bitcoin-native portfolio management platform that tracks, allocates, and optimizes your holdings across four strategic buckets: Savings (BTC), Investments (MSTR, miners), Income (yield-generating assets like STRK/STRF), and Other. It provides real-time LTV monitoring for Bitcoin-backed loans, AI-powered portfolio insights via Gemini 2.0 Flash, and scenario-based risk analysis including stress testing against historical 50–80% Bitcoin drawdowns.

Question 2

How do Bitcoin-backed loans work here?

Accepted Answer

BitStack does not originate loans. A Bitcoin-backed loan means you deposit BTC as collateral with a lender and receive USD or stablecoins; your Bitcoin stays locked until you repay principal plus interest. Loan size depends on loan-to-value (LTV), typically 20–50% of collateral value. If price drops far enough you may face a margin call or liquidation. BitStack tracks LTV, margin-call price, and liquidation price for loans you already have, and the free calculators model the same math without an account.

Question 3

Should I sell Bitcoin, pledge it, or take a cash-out loan for a down payment?

Accepted Answer

Should you sell Bitcoin for a house down payment? Selling raises cash immediately but permanently reduces your stack, so it is not the default in this model. Compare pledging BTC or a cash-out Bitcoin loan that funds dollars while the coins stay posted as collateral. BitStack is not a lender. This page is education only — not an application, pre-approval, or lender directory. What LTV stays healthy after a 50% BTC dump? Originate at 30% LTV (the 30% rule). In this calculator's cash-out math (65% margin call, 80% liquidation), a 50% dump takes 50% origination to 100% LTV (liquidated), 35% to 70% (margin call), and 30% to 60% (healthy). The 50% dump is a scenario toggle, not a forecast. Sell vs pledge vs cash-out: sell = stack gone at spot (optional tax gross-up is an editable assumption, default 0%). Pledge (Better/Coinbase published example) = 250% collateral / 40% credit; a price dump does not liquidate. Cash-out = 35–50% typical origination with a liquidation path; 30% is the round origination that stays healthy after a 50% dump. The same sell vs pledge vs cash-out math is callable at POST or GET /api/tools/down-payment. Free, no login. No. There is no apply or pre-approval path and no lender directory. Create a BitStack account only if you want to track holdings and loans you already have. Not financial advice. DYOR. Compare the three paths in the free Down Payment Calculator: https://trybitstack.com/tools/down-payment-calculator

Question 4

What is the difference between LTV and liquidation?

Accepted Answer

LTV ratio is the percentage of your loan amount relative to the value of your Bitcoin collateral. For example, if you deposit $100,000 in BTC and borrow $50,000, your LTV is 50%. Lower LTV means less risk of liquidation. Liquidation occurs when the value of your Bitcoin collateral drops below a certain threshold (the liquidation LTV), and the lender automatically sells your BTC to cover the outstanding loan. This protects the lender from losses. A margin call is the warning stage (typically 65–75% LTV) before liquidation (typically 70–85% LTV). Use the LTV, margin-call, and liquidation calculators to model a specific position.

Question 5

How much does BitStack cost?

Accepted Answer

BitStack Pro costs $9.99/month or $49.99/year (58% savings on the annual plan). This includes unlimited portfolio tracking, real-time LTV monitoring with email alerts, AI-powered advisor, scenario modeling, and all calculator tools. A 7-day money-back guarantee is included with every subscription.