01
Collateralize
Commit supported BTC
Connect a wallet, choose supported BTC collateral, and review the protocol contract before approving any deposit.
Coming soon · Register interest
Keep your Bitcoin. Unlock working capital.
A planned decentralized borrowing experience for businesses that hold BTC and need USDT liquidity—without selling solely to fund the next invoice, machine, or operating cycle.
Collateral
2.40 BTC
Protocol-controlled position
Borrowed
85,000 USDT
To your wallet or merchant
Planned operating model
Liquidity in four wallet-approved steps.
MakePay is exploring a clear interface around decentralized protocol transactions. You keep control of approvals and see position health before and after borrowing.
02
Borrow
Receive USDT liquidity
Choose a conservative position, inspect the rate and liquidation threshold, then borrow available USDT.
03
Use
Put liquidity to work
Send USDT to your wallet, convert through your own provider, or route it to a participating merchant when checkout support launches.
04
Reclaim
Repay and unlock BTC
Repay principal, accrued interest, and protocol costs. Full repayment unlocks the remaining collateral.
Case studies
Keep the asset. Fund the business.
These examples show the product direction, not live offers or guaranteed outcomes. Every position would remain subject to protocol liquidity, collateral rules, rates, and liquidation risk.
01
Mining & hosting operators
Use BTC-backed USDT for power, hosting, maintenance, or expansion while keeping the remaining BTC exposure, subject to position health.
Discuss this use case02
ASIC crypto pay later
Use supported BTC as collateral and route borrowed USDT to an ASIC merchant through a planned checkout option.
Discuss this use case03
Mining hardware merchants
Offer a BTC-backed payment route while the merchant receives USDT, without the merchant directly underwriting the customer's debt.
Discuss this use case04
BTC-native working capital
Bridge inventory, contractors, supplier invoices, or other operating costs without selling BTC solely to fund a short-term need.
Discuss this use caseRisk comes first
Borrowing is not the same as preserving BTC risk-free.
Collateral may be liquidated if the position crosses the protocol threshold.
Rates, liquidity, collateral factors, network costs, and protocol rules can change.
Smart-contract, oracle, stablecoin, market, and regulatory risks remain.
MakePay will publish the exact protocol mechanics and transaction parameters before any live launch. This page is not financial, legal, tax, or investment advice.
Before you register
Frequently asked questions
Is MakePay Lending & Borrowing live today?
No. This is an upcoming service and registration is for product research and potential early access. Registering does not guarantee availability, eligibility, terms, or launch timing.
How is the planned service decentralized?
The planned MakePay interface would connect a user's wallet to supported decentralized lending protocol contracts. The protocol, not a MakePay account balance, would govern collateral, borrowing, repayment, and liquidation under its published rules.
Does MakePay hold the deposited BTC?
MakePay does not plan to custody customer collateral. The exact BTC representation, chain, smart contracts, and protocol will be confirmed before launch, and users must review those mechanics before approving a transaction.
What happens if the BTC price changes?
If collateral value rises while debt stays constant, loan-to-value falls and the position gains more buffer. If collateral value falls, loan-to-value rises and the position can approach liquidation. Borrowers must monitor the protocol's health metrics and thresholds.