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

Selling BTC raises cash immediately but permanently reduces your stack. This calculator shows how many BTC you would sell at spot (and, if you edit the illustrative tax rate, a gross-up). It is education only — not tax, mortgage, or investment advice. DYOR. This model uses a published example: 250% collateralization / 40% credit (pledge $250k of BTC to get $100k), a 0.5–1.5% rate premium, a 680 FICO floor, and liquidation described only after 60 days delinquent. A BTC dump does not change those loan terms or liquidate the way a margin loan would. Cited as a published example, not as an application or a lender marketplace. Cash-out BTC loans typically originate at 35–50% LTV and can be margin-called or liquidated if Bitcoin falls. This calculator uses BitStack’s existing loan math: 50% origination LTV in the three-path column, 65% margin call, 80% liquidation. compare_ltv_buckets also includes 30% origination — the round bucket that stays healthy after a 50% dump. Pledge-style terms in the published Better/Coinbase example are not a dump-liquidation product. This collateral math uses Savings-bucket BTC only. Bitcoin ETFs, MSTR, and Income-bucket assets are not pledgeable collateral here. 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.