Bit2Me Loan: Liquidity from Your Digital Assets Without Selling

Bit2Me Loan: liquidity from your digital assets without selling

Overview

How can you get liquidity from your digital assets without having to sell them? In this MERGE Madrid talk, Bit2Me explains why lending (crypto loans) is one of the big narratives of the moment, the role of Bitcoin as collateral, the difference between overcollateralization and undercollateralization, and how its Bit2Me Loan service works.

What you'll learn

• The lending market: why it is a key narrative for 2025-2026
• SiFi vs DeFi: the weight of centralized players after the FTX collapse
• Bitcoin as collateral: from payment method to store of value
• Overcollateralization: why it dominates the crypto lending market
• Advantages: liquidity without selling, no credit-score penalty, tax efficiency
• Use cases: financing, diversification and a clear source of funds

Session summary

Why lending: according to the talk, the crypto lending market moves large volumes (with an overcollateralized market cited at around 86-90 billion dollars) and attracts strong institutional interest, even above services like brokerage or custody.

SiFi vs DeFi: it shows how, despite the perception of a dominant DeFi, centralized players (SiFi) have a significant weight in lending and are regaining position after the FTX collapse, with growth expected to be exponential.

Bitcoin as collateral: it argues that Bitcoin, increasingly seen as a store of value (citing theses from large asset managers), is a key collateral element and a defensive asset to mitigate portfolio volatility.

The Bit2Me Loan service: according to the talk, it lets you get liquidity without selling Bitcoin; these are not bank loans (they do not penalize the credit score), they offer tax efficiency (no taxable event by not liquidating), fast provisioning with collateral and flexible repayment, within a regulated environment with KYC and source-of-funds checks.

Use cases: financing business activities or CAPEX, buying real estate or vehicles, investing or increasing a position in digital assets, all with a clear source of funds that can be justified to financial institutions.

Watch the full talk

Watch the full recording on MERGE's YouTube channel, with Bit2Me on how to get liquidity from digital assets.

FAQs

What is crypto lending?
According to the talk, lending and borrowing using digital assets such as Bitcoin as collateral, to obtain liquidity without selling.

What is overcollateralization?
According to the talk, providing collateral worth more than the loan; it is the dominant model in the crypto market versus undercollateralized operations.

What advantages does financing with Bitcoin without selling it have?
According to the talk, keeping the position, not penalizing the credit score and achieving tax efficiency by not generating a taxable event.

Is this investment advice?
No. This content is informational and summarizes what was presented in the talk; it does not constitute investment or tax advice. Investing in crypto assets and borrowing against them carries risks; consult a professional.