Model the impact of bitcoin-backed loans on your portfolio's net interest income. Adjust parameters to see how different allocation strategies affect returns.
Search any US bank or credit union to auto-fill the model with their latest call report data. You can adjust every input afterwards.
Percentage of loan book allocated to bitcoin-backed loans
Interest Rates
Risk Parameters
Applies to the traditional book only
Covers liquidation slippage, gap risk, and program operating cost on the bitcoin-backed book
Key Assumption: Bitcoin-backed loans are over-collateralized at 50% LTV with automated margin calls. Expected losses and program costs on the bitcoin-backed book are captured by the adjustable haircut above (default 10 bps). The model excludes regulatory capital treatment and CECL provisioning.
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%
| Allocation | Bitcoin Loans | Portfolio NII | Incremental | Net Yield | Uplift |
|---|
This model is for illustrative purposes only and does not constitute financial advice.
Learn the fundamentals with our interactive educational guide.
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