Bitcoin-backed loans are progressively establishing themselves as one of the most innovative solutions in the global financial landscape.
According to data collected by industry analysts, interest in these instruments has grown by 35% in the first half of 2025. Recently, Twenty One Capital — among the main institutional managers of Bitcoin reserves — announced the intention to evaluate the introduction of loans in US dollars with Bitcoin as collateral.
This initiative reflects the growing convergence between digital assets and traditional financial practices, highlighting an acceleration towards alternative credit models based on cryptographic reserves.
New turn in crypto loans: Twenty One Capital accelerates with dollar loans secured by Bitcoin
Collateralized Bitcoin loans allow investors and companies to obtain liquidity, usually in US dollars, by offering Bitcoin as collateral.
This methodology is taking on a central role for those who intend to leverage the value of cryptocurrencies without having to liquidate them.
It is a combination of market volatility, the technical robustness of Bitcoin, and the principles of traditional credit, which fosters the development of new financial products.
Analysts observe how the technical solidity of Bitcoin, combined with strict collateralization rules, allows for the mitigation of risks associated with market volatility.
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Recently, Twenty One Capital has significantly increased its Bitcoin assets, benefiting from strategic alliances with giants such as Tether, Bitfinex, and SoftBank.
Currently, it holds over 43,500 BTC, with an estimated value of around 5.1 billion dollars. This consolidation places it among the main institutional holders and creates the conditions for the launch of credit products based on digital guarantees.
Noteworthy is the planned acquisition of 5,800 BTC from Tether, a leading entity in the stablecoin market.
The group can also count on the support of Cantor Fitzgerald in view of the stock market listing through a merger with the SPAC Cantor Equity Partners, a crucial step towards strengthening its position in the global market.
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In the United States, crypto-collateralized loans are predominantly issued through regulated platforms or digital banks that accept Bitcoin as collateral.
Generally, those who apply for the loan deposit a certain amount of BTC as guarantee with the issuing institution and, in return, obtain liquidity in dollars.
In the event of significant downward fluctuations in the value of Bitcoin, the collateral can be liquidated to cover the remaining debt. This mechanism is distinguished by its effectiveness in speed of issuance and the protections it provides to credit institutions.
According to the 2025 report by the FDIC, about 60% of the most reliable platforms operate with advanced guarantee systems to protect investors.
Expansion of Bitcoin reserves: new records and future goals
Twenty One Capital has recently surpassed the threshold of 43,500 BTC, thus exceeding initial expectations.
The goals announced by the company — founded in 2024 — aim to consolidate one of the largest institutional reserves of Bitcoin worldwide and to promote the creation of new secured loan products.
In parallel, the merger with SPAC Cantor Equity Partners is underway, aimed at a possible imminent public listing.
- Bitcoin Reserves: over 43,500 BTC
- Current value: approximately 5.1 billion dollars
- Key partners: Tether, Bitfinex, SoftBank, Cantor Fitzgerald
- New product: dollar loans with Bitcoin collateral under development
The use of Bitcoin as collateral presents several advantages:
- Allows obtaining immediate liquidity without the need to sell cryptocurrencies
- Volatility is managed through LTV (loan-to-value) parameters and automatic liquidation mechanisms
- Favors the institutional entry of cryptocurrencies into traditional credit processes
- Allows the creation of prodotti finanziari innovativi based on digital assets
According to the Associazione Blockchain Italia, (ABI Lab), a growing number of financial operators are integrating these tools to diversify investment portfolios, increasing the adoption of blockchain technologies and innovative financial products as illustrated in their latest whitepaper.
To access a loan with Bitcoin as collateral it is necessary:
- Deposit BTC on an authorized and regulated platform
- Receive an assessment of the financeable amount, defined by the LTV ratio
- Obtain the accredito in dollari
- Redeem the Bitcoin at the full repayment of the loan
Experts in the financial sector report a 40% increase in requests for loans in dollars with Bitcoin as collateral in the first quarter of 2025, with growth primarily involving institutional investors and prominent crypto companies.
What changes in the sector with the new strategy?
The significant increase in riserve di Bitcoin by Twenty One Capital could redefine the supply dynamics of prodotti finanziari digital collateralizzati.
Thanks to this position, the company aims to facilitate access to alternative loans, strengthening its leadership in the global Bitcoin treasury landscape.
According to the latest industry reports, this strategy aligns with the trends of maggiore integrazione tra finanza tradizionale e digitale observed globally.
- Strategic accumulation of BTC through partnerships with global players
- Constant development of credit products based on digital collateral
- Preparation for entering public markets through merger and listing
These three elements place the group among the key players in the transformation of financial services and digital investments.
The increase in dollar loans secured by Bitcoin allows businesses and investors to maintain reserves in BTC while simultaneously accessing useful liquid credit for operational developments, without the need to immediately convert assets.
In a context of volatile markets, this translates into greater investment flexibility and protection of asset value.
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The Bitcoin loans, managed by regulated entities such as Twenty One Capital, are subject to standard control procedures such as regular audits, automatic margin call systems, and transparency in contractual conditions.
It must be said that it is essential to rely exclusively on accredited operators, with clear policies regarding liquidations and the protection of crypto deposits, as recommended by the ESMA and the ABI Lab.
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