Bitcoin-Backed Lending Portfolio Analyzer
Start from your loan book, add a Bitcoin-backed allocation, and watch net interest income move. Load your institution from its call report, or set every number yourself.
Find your institution
Search by name, city, or state; results pre-fill the model from the latest FDIC and NCUA call reports.
Portfolio
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
Net Interest Income Comparison
Portfolio Composition
Sensitivity Analysis: Impact at Different Allocation Levels
Click any row to move the allocation slider to it.
| Allocation | Bitcoin Loans | Portfolio NII | Incremental | Net Yield | Uplift |
|---|---|---|---|---|---|
| 0% (Baseline) | $0 | — | — | — | — |
| 1% | — | — | — | — | — |
| 5% | — | — | — | — | — |
| 10% | — | — | — | — | — |
| 15% | — | — | — | — | — |
| 20% | — | — | — | — | — |
| 25% | — | — | — | — | — |
Model Assumptions & Notes
Collateralization. Bitcoin loans fully collateralized at 50% LTV with automated liquidation.
Losses and costs. Losses and operating costs on Bitcoin-backed loans are modeled through an adjustable haircut, defaulting to 10 bps.
No price modeling. No Bitcoin price speculation or volatility modeling is included.
Static rates. Interest rates and cost of funds are assumed constant for the analysis period.
This model is for illustrative purposes only and does not constitute financial advice. It excludes regulatory capital treatment and CECL provisioning.
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