Libre is a Bitcoin-native, decentralized lending marketplace

🔄 What is Libre?

Libre is a fully-decentralized, smart contract-powered lending protocol.

• Borrowers post real BTC as collateral into a dedicated vault address (not pooled)

• Lenders fund capital pools and earn fixed returns in USDT

• The entire system is transparent, auditable, and works on mobile from end to end

🔓 Your Bitcoin Stays Your Bitcoin

Libre is built from first principles:

• No custodians, no rehypothecation

• Each borrower’s Bitcoin is held in its own vault address, visible on-chain

• You always get back your exact BTC — not someone else’s

🧠 How It Works

Borrowing:

• Deposit BTC into a unique vault address

• Choose loan terms from available pools (e.g. 30, 90, 365 days)

• Receive USDT

• Repay loan + interest to unlock your Bitcoin

Lending:

• Deposit USDT into a pool at the rate/term of your choice

• Earn fixed interest + token rewards

• Redeem pool tokens for your original USDT + earnings

🚨 Loan Safety & Liquidation Rules

Libre loans have a transparent liquidation buffer:

No middle-of-the-night liquidations.

Borrowers have time to add collateral or repay.

💸 Transparent Yields for USDT Lenders

• Lenders choose from public liquidity pools (30d, 90d, 365d, etc.)

• Fixed rates (e.g. 9%, 11%, 13%)

• All loans are 100% BTC-backed

🔗 Libre Technology Stack

• Mobile wallet and lending interface

• Smart contracts for loans, governance, and DEX

• MPC + TSS bridge with Bitcoin as source of truth

• Delegated Proof of Stake (DPoS) consensus with 21 validators

• DAO governance + staking

💰 LIBRE Token Utility

• Not required to use the protocol

• Used to secure the network and reward participants

• Stakers earn BTC from loan activity and validator fees

• Miners earn LIBRE for contributing BTC to bootstrap the system

⚖️ How Libre Differs From Celsius & Others

Centralized lenders operate like Celsius — you don’t know where your Bitcoin goes. If their rates are unusually low, it means your BTC is likely being deployed in trading, rehypothecation, or other yield strategies behind the scenes. That introduces hidden risk — and maximizes their profits, not yours.

Libre can’t do that. Your Bitcoin stays in a dedicated vault address, untouched and visible on-chain. It’s never pooled, never loaned out, and never put at risk.

✅ Summary

Libre is the only Bitcoin-native lending platform where:

• BTC stays in your own vault address

• You borrow real USDT without wrapping

• Lenders earn predictable, fixed yield

• Everything works from your phone

• Built by Bitcoiners, for Bitcoiners