The cost ofcapital.

Unlock 0% liquidity. Keep your Bitcoin, wBTC, cbBTC or wBNB.

Borrow USDC against your BTC without selling it. A collar sets a fixed price range for your collateral, and the option premium pays for the loan. No monthly payments, no rate resets, no margin calls.

Launch App
No margin calls
Terms fixed before capital moves
Loan preview
Indicative

Deposit

1.00BTC tokenBTC
LTV50%

Spot

You receive

0% cash interest

Put · Call · 12 mo

Borrow Now

0% cash interest

The option premium funds the loan, so there are no scheduled interest payments.

Fixed terms, set upfront

Amount, term, floor and cap are locked before any capital moves.

No margin calls

No mid-term liquidation and no collateral top-ups during the term.

Institutional custody

Collateral sits in audited vaults, placed with approved prime brokers.

Figures are indicative, using live spot prices: 50% LTV, put strike 15% below spot, call strike 15% above spot. Upside above the call strike transfers to the call buyer, and the floor depends on counterparty credit. Not an offer.

HOW IT WORKS / THE BIMA WAY

  1. Deposit Bitcoin into a secure custody vault.

    Start with your Bitcoin

    Your Bitcoin is the starting point. Use it as collateral to unlock liquidity through Bima.

    Bitcoin → collateral

  2. Select a collar strategy that reduces or eliminates borrowing costs.

  3. Receive cash or stablecoins against your Bitcoin.

  4. Put your capital to work while keeping long-term Bitcoin exposure.

Explore Bima Credit

Investors

Led By

Funds

Security

Audited by.

Bima's vault, strategy and escrow contracts have been independently reviewed. Every finding in the latest collateral fixed-term audit was resolved.

Explore audit documentation
  • Auditor
  • Auditor
  • Cantina
  • Cyba Security

FAQ

Frequently asked questions

Everything you need to know about borrowing against your Bitcoin with Bima.

Contact us

  • Bima is a Bitcoin structured finance platform that enables individuals, businesses, and institutions to unlock liquidity without selling their Bitcoin. Through innovative collateral loan products, Bima helps borrowers access capital while preserving long-term Bitcoin ownership.

Community

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