Interactive Model

Bitcoin-Backed Lending Portfolio Analyzer

Model the impact of bitcoin-backed loans on your portfolio's net interest income. Adjust parameters to see how different allocation strategies affect returns.

Conservative assumptions · No price speculation · Collateral-secured only

Model Inputs

$1.00B
$100M$10B
5%

Percentage of loan book allocated to bitcoin-backed loans

0%25%

Interest Rates

6.00%
3%12%
10.00%
6%18%

Risk Parameters

50%

Lower LTV = higher collateral buffer

30%70%
3.5%
1%6%
0.5%

Bitcoin loans assumed 0% loss (over-collateralized)

0%3%

Key Assumption: Bitcoin-backed loans are over-collateralized at 50% LTV with automated margin calls, resulting in near-zero credit losses.

Current Portfolio NII

$20.00M

100% traditional

New Portfolio NII

$21.03M

5% bitcoin allocation

Incremental NII

+$1.03M

+5.13%

Yield Uplift

+20.0 bps

Blended: 6.20%

Net Interest Income Comparison

Current Portfolio $20.00M
Baseline
With Bitcoin Allocation $21.03M
+5.13%

Portfolio Yield by Allocation

0%5%10%15%20%

Bitcoin Allocation %

Portfolio Composition

Traditional: $950.00M (95.0%)
Bitcoin-Backed: $50.00M (5.0%)

Sensitivity Analysis: Impact at Different Allocation Levels

Allocation Bitcoin Loans Portfolio NII Incremental Net Yield Uplift

Model Assumptions & Notes

Bitcoin loans fully collateralized at 50% LTV with automated liquidation
Credit losses on bitcoin-backed loans assumed 0% due to over-collateralization
No bitcoin price speculation or volatility modeling included
Interest rates and cost of funds assumed constant for analysis period

This model is for illustrative purposes only and does not constitute financial advice.

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Bitcoin-Backed Lending 101

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