Libre is a Bitcoin-native, decentralized lending marketplace
Anyone can borrow stablecoins against Bitcoin or lend USDT to earn predictable, fixed yield — all without wrapping, rehypothecation, or centralized risk.
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Anyone can borrow stablecoins against Bitcoin or lend USDT to earn predictable, fixed yield — all without wrapping, rehypothecation, or centralized risk.
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Was this helpful?
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
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
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
Libre loans have a transparent liquidation buffer:
70%
Pre-Warning
Monitor
80%
Warning
72 hours to act
>80% (after 72h)
Liquidation
Executed by smart contract
No middle-of-the-night liquidations.
Borrowers have time to add collateral or repay.
Lenders choose from public liquidity pools (30d, 90d, 365d, etc.)
Fixed rates (e.g. 9%, 11%, 13%)
All loans are 100% BTC-backed
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
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
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.
Custody
Self
Centralized
Bitcoin Exposure
Native
Wrapped or pooled
Yield Source
Transparent
Often opaque / risky
Liquidation Process
Predictable
Sudden
Mobile Access
Fully live
Variable
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
