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.
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
How It Works
Borrowing with BTC
Deposit BTC to your unique vault address (segregated from all other loans)
Take out a USDT loan (e.g., 50% LTV) from available pools
Monitor your liquidation price and LTV in real-time
Repay to unlock your exact Bitcoin from your vault
Lending USDT
Deposit USDT into a fixed-rate lending pool
Receive TP tokens representing your stake in the pool
Earn interest as borrowers pay against their Bitcoin collateral
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.
Current Fixed-Rate Pools
Choose from 6 lending pools with rates set by lenders:
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
Explore the Docs
Ready to Get Started?
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