Bitcoin Credit Infrastructure

Bitcoin will not become a global reserve currency through holding alone. Every reserve currency in history required a functioning credit market: lending, borrowing, yield generation, and interbank settlement. Without credit, Bitcoin remains a store of value. With it, Bitcoin becomes the foundation of a new financial system.

BTC Now builds the missing infrastructure. Consumer lending backed by Bitcoin. Institutional yield through structured credit. Bank-grade origination, servicing, and compliance. Every loan originated creates permanent structural demand for BTC, and every dollar of yield paid proves the system works.

01
Credit
Consumer installment loans, 12-18% APR based on credit tier. Fixed payments, no liquidation, no margin calls. Real economic activity denominated in Bitcoin value.
02
Yield
Institutional-grade returns through BTC-backed credit. Senior and junior tranches, warehouse fund structure, bankruptcy-remote SPV architecture.
03
Infrastructure
Bank partnerships via lender of record. On-chain protocol. Loan servicing platform. 36-product suite across lending, investing, and wealth management.
We've built every layer. The materials below show how.
Explore BTC Now
Choose your path based on what interests you
Understand the Thesis
01
Bitcoin Credit Thesis
maxi.btcnow.com
Why Bitcoin needs a credit market to become reserve currency. Slide deck, executive summary, deep dive, and a full institutional paper with 60+ academic references.
See the Product
02
Consumer Platform
btcnow.com
The consumer-facing product. Sign up for early access.
03
Live Demo
poc.btcnow.com
Working proof of concept with a live loan dashboard showing the full borrower experience.
04
On-Chain Protocol
eth.btcnow.com
Ethereum smart contracts: pooled liquidity, risk-tiered tranches, secondary market for loan position NFTs.
Review the Opportunity
05
Equity Investor Materials
investor.btcnow.com
Company pitch deck, executive summary, and full due diligence. 14 slides and a 12-section deep dive.
06
Liquidity Provider Materials
termsheet.btcnow.com
Warehouse Fund LP terms, returns modeling, and stress testing. 20-slide deck and 19-section deep dive.
07
Bank Partner Materials
lor.btcnow.com
Lender of record partnership: credit box, flow of funds, 36-product suite, and technical integration specification.