Start with one number: the Bitcoin price that would liquidate your loan.

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For you if you have a loan against your Bitcoin, or you are thinking about one and want to see the math first.

Education only. BitStack is not a lender. Not financial advice.

Then read the short loan-math guides, in order.

Master Bitcoin fundamentals, self-custody, portfolio strategy, and advanced topics. Free educational content for every level.

Getting Started

What is Bitcoin? The Complete Beginner's Guide (2026) — Everything you need to know about Bitcoin — the world's first digitally scarce asset. Learn how it works, why it matters, and how to get started in 2026.
Bitcoin Self-Custody Guide: Not Your Keys, Not Your Coins — Learn the #1 rule of Bitcoin ownership. This self-custody guide covers private keys, seed phrases, hardware wallets, and how to secure your BTC the right way.
Bitcoin Wallets Explained: How to Choose the Right One — Mobile, desktop, hardware, or multi-sig? Compare every type of Bitcoin wallet, learn the tradeoffs, and find the right setup for your security needs.
Bitcoin Savings Strategy: How to Save in BTC for the Long Term — Build a Bitcoin savings plan that beats traditional savings accounts. Learn how to save in Bitcoin using DCA, set savings goals, and build generational wealth.

Portfolio Strategy

The BitStack Framework: Bitcoin Portfolio Allocation Strategy — four buckets (Savings / Investments / Income / Other) organize a Bitcoin portfolio for clarity, control, and long-term growth. Only Savings-bucket BTC is pledgeable collateral in the calculators. Education only. BitStack is not a lender.
Bitcoin for a down payment without selling — Pledge $250,000 of Savings-bucket Bitcoin to fund a $100,000 down payment (250% collateral / 40% credit). Selling removes the coins. Pledgeable collateral is Savings only, inside four buckets (Savings / Investments / Income / Other). BitStack is not a lender.
Bitcoin Risk Management: How to Protect Your Portfolio — Master position sizing, LTV ratios, liquidation risk, and volatility management. Build a Bitcoin strategy that protects your wealth and lets you sleep at night.
Dollar Cost Averaging Bitcoin: The Complete DCA Strategy Guide — DCA is the #1 Bitcoin accumulation strategy. Learn how dollar-cost averaging works, why it beats timing the market, and how to set up your own DCA plan.
How to Build a Bitcoin Portfolio: Allocation Strategy Guide — Learn how to build a Bitcoin-focused portfolio. Covers allocation strategies, BTC vs ETFs vs MSTR, risk management, and the best framework for long-term holders.

Advanced Topics

Bitcoin ETFs Explained: IBIT, GBTC, FBTC and How They Work — Spot vs futures Bitcoin ETFs, fees, tax advantages, and how IBIT, GBTC, and FBTC compare. Learn when to use ETFs vs buying Bitcoin directly.
Bitcoin Yield Strategies: How to Earn on Your BTC — Should you earn yield on your Bitcoin? Compare lending, DeFi, covered calls, and Lightning routing — with honest risk assessments for each strategy.
Bitcoin Tax Guide: What Crypto Investors Need to Know — Capital gains, taxable events, cost basis methods, tax-loss harvesting, and record keeping — the complete Bitcoin tax guide for US crypto investors.
Bitcoin Backed Loans Explained: How to Borrow Against Your BTC — How do Bitcoin backed loans work? Learn about collateral ratios, liquidation risk, top lending platforms, and how to borrow against Bitcoin without selling.
Bitcoin Liquidation Risk: Complete Guide to Avoiding Liquidation — What is Bitcoin liquidation and how do you avoid it? Learn liquidation prices, LTV thresholds, margin calls, and proven strategies to protect your collateral.
MSTR: Strategy as a Bitcoin Investment — Is buying MSTR stock a good way to invest in Bitcoin? Understand Strategy's Bitcoin treasury, the NAV premium, risks, and how MSTR compares to buying BTC directly.
What is Loan-to-Value (LTV) in Crypto? Complete Guide — LTV ratio explained for Bitcoin loans. Learn how to calculate LTV, what ratios are safe, how to avoid liquidation, and use our free LTV calculator.
Pristine collateral is the thesis. Start LTV is the decision. — Regulated banks still face a near-100% capital charge on bitcoin under Basel SCO60 Group 2b, so “pristine collateral” is a markets thesis, not how bank balance sheets treat BTC today. A public Coinbase/Morpho review can still show about a 75% start LTV and automatic liquidation at 86%, with no cure window. BitStack’s education frame is borrow-don’t-sell at a 10–30% start LTV. BitStack is not a lender. This is not financial advice.
Why a bitcoin loan you can see beats a loan nobody marks — Your bitcoin loan's LTV comes from a public price you can check any minute, so you see trouble coming. A privately marked loan can look fine until it suddenly isn't.
ETFs bought billions, so why is price soft? What to watch on a loan instead — Fund inflows are a headline, not a price you can act on. The LTV on a bitcoin-backed loan is a live number you can see.
When banks lend against bitcoin, your loan works like a mortgage — A bitcoin-backed loan works like a mortgage: the coins are the collateral, LTV is the number that matters, and it moves every day with the price.
AI and bitcoin: why your loan math still matters — Even if a big story about AI or institutions is right, a bitcoin-backed loan is still dollars against a coin whose price moves every day. The number you control is LTV, and the cushion under it.
The MOVE index and your bitcoin loan — The MOVE index measures the implied volatility of short-dated (about one-month) options on US Treasuries across the 2-year, 5-year, 10-year, and 30-year. A spike usually means that market is harder to trade, which can leave a bitcoin-backed loan with less room before a margin call.

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