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. BitStack is not a lender.

For a $100,000 down payment

Published Better/Coinbase-style example for education, not a loan offer. Cash-out is a separate path: 30% origination is the round figure that stays healthy after a 50% dump scenario (not a forecast). BitStack is not a lender.

Pledge Savings — $250,000. of self-custodied BTC posted. 250% collateral / 40% credit. The coins stay collateral. A price dump does not liquidate this published example.
Sell — $100,000. of BTC sold at spot. The stack is gone and cannot be rebought at the sale price.
Other buckets — Not pledgeable. Investments (MSTR, miners), Income, and Other are not collateral in the calculators. Only Savings-bucket BTC is.

Frequently asked questions

Can I use Bitcoin for a down payment without selling?

Yes, in this model you pledge Savings-bucket Bitcoin instead of selling it. The published example posts $250,000 of BTC to receive $100,000 (250% collateral / 40% credit). Selling the same $100,000 down payment removes the coins. BitStack is not a lender and this page is not a loan offer.

Which of BitStack’s four buckets can fund a down payment?

Only Savings — self-custodied BTC. Investments (MSTR, miners), Income (yield without selling BTC), and Other (legacy assets not yet converted) are not pledgeable collateral in the BitStack calculators. The buckets explain why you own each asset. They are not a recommended mix and not a loan product.

What does the 250% pledge rule mean?

250% collateralization means you post two and a half times the credit in Bitcoin. At 40% credit, pledging $250,000 of BTC corresponds to $100,000. The published example does not liquidate when the Bitcoin price drops. It is an education example, not an application.

How is a cash-out Bitcoin loan different from pledging?

A cash-out loan is sized by loan-to-value: dollars borrowed divided by Bitcoin value. In the down-payment calculator, 50% origination can liquidate after a 50% dump scenario, 35% can margin-call, and 30% origination stays healthy. The pledge example does not liquidate on a dump. BitStack models both. It does not lend.

Is BitStack a lender?

No. BitStack is portfolio software. It tracks holdings across four buckets and Bitcoin-backed loans you already have. This page and the down-payment calculator are education only. There is no loan application on this page.