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Libre: A Bitcoin-Native Lending Marketplace

A Bitcoin-native lending marketplace where you can borrow USDT using Bitcoin as collateral, or earn yield by lending USDT—all on-chain with segregated collateral.

Libre is a decentralized lending platform where you can borrow USDT using Bitcoin as collateral, or earn yield by lending USDT to fixed-rate pools set by lenders.

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What Makes Libre Unique?

  • Segregated Bitcoin Collateral — each loan gets its own vault address (verifiable on-chain)

  • Fixed Rates — lenders set rates from 3-20% APR across 6 term pools

  • 100% Transparent — anyone can audit all Bitcoin backing and loan collateral

  • No Intermediaries — direct, transparent lending powered by smart contracts

  • Integrated DEX — trade and swap BTC ↔ USDT instantly

  • Built on Libre Chain — a purpose-built layer for trustless Bitcoin finance

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How It Works

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Borrowing with BTC

  1. Deposit BTC to your unique vault address (segregated from all other loans)

  2. Take out a USDT loan (e.g., 50% LTV) from available pools

  3. Monitor your liquidation price and LTV in real-time

  4. Repay to unlock your exact Bitcoin from your vault

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Lending USDT

  1. Deposit USDT into a fixed-rate lending pool (need USDT? see how to peg in)

  2. Receive TP tokens representing your stake in the pool

  3. Earn interest as borrowers pay against their Bitcoin collateral

  4. Redeem TP for USDT anytime (subject to pool liquidity)

Every loan uses segregated Bitcoin collateral — each borrower gets their own vault address that anyone can verify on-chain. No pooled collateral, no rehypothecation.

Liquidations are triggered automatically if LTV crosses 80%, with a 72-hour buffer for recovery.

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Current Fixed-Rate Pools

Choose from 6 lending pools with rates set by lenders:

Term
Fixed APR
Available to Lend
Available to Borrow

30 Days

3%

$300K

$150K

30 Days

9%

$450K

$225K

90 Days

11%

$200K

$100K

180 Days

13%

$380K

$190K

30 Days

15%

$250K

$125K

90 Days

20%

$150K

$75K

Higher rates = higher returns for lenders, higher costs for borrowers

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Explore the Docs

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Ready to Get Started?

NextBorrowing

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