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$5,000 מהאוויר: החזיקו $10,000 בביטקוין — ושמרו $5,000 בכיס

תארו לעצמכם: יש לכם $10,000 רעיוניים ומחליטים לקנות ביטקוין להולד. בתמונה הרגילה של העולם קוברים את העשרת אלפים לשנתיים. ב־Mitilena Wallet אפשר לקחת הלוואה מול הביטקוין — בלי בנק, בלי ניירת, בלי שיחות, בלי בדיקת הכנסה. קנו ביטקוין ב־$10,000, שימו כבטוחה, קחו בחזרה $5,000 ב־4-5% APR. העשרת אלפים נשארים בהולד וזמינים בכל רגע, וחצי חוזר לכיס. אותם פרוטוקולים משלמים 3-4% APR אם פשוט מפקידים USDT.

מחבר: Jan Pejsa, מייסד Mitilena · עודכן 26.09.2026 · github
פתח ארנק איך זה עובד
בלי מסמכים, בלי הרשמה בלי תקופה, בלי עמלת פירעון מוקדם המפתח והביטקוין נשארים שלכם
$10,000 in two pictures of the worldas of 26.09.2026
Usually
Bought $10,000 of bitcoin
Buried it for two yearsde facto
In your pocket: $0
In Mitilena Wallet
Bought $10,000 of bitcoin
Put it up as protocol collateralno paperwork, no calls
Took $5,000 backin USDT · about 4-5% APR
Bitcoin keeps holding, available any secondrepay the loan - take bitcoin back
$5,000in your pocket - out of thin air.
The $10,000 of bitcoin is still yours.
Loans and deposits come from the protocols on-chain - not from the wallet: Aave, Venus, Compound, EVAA. Dozens of audits, years in production, the key stays with you.
How it works

Nobody checks your income, because the collateral already sits in the contract

A bank lends on trust: pay stubs, credit history, calls to your employer, three weeks of waiting. A protocol lends on collateral: you put bitcoin into a smart contract, and the contract itself pays you USDT up to its value. Nothing to underwrite - if the loan is never repaid, collateral covers the debt. So the loan lands in a minute, at night, for anyone who holds bitcoin.

Deposit interest comes from the same place. Your USDT in the protocol is borrowed by people like you against their own bitcoin at 4-5% APR; most of that flows to you. One system, two sides: who needs cash now - borrows; who has idle dollars - supplies.

No term. The loan stays open until you close it: take it today, repay in a week or in three years - you only pay interest for the time that passed. Early repayment is just the Repay button - no penalties, no paperwork, no “revised terms”.

Your $10,000 step by stepprices as of 26.09.2026 · Aave and Venus rates
$10,000
you buy bitcoin0.119 BTC at $84,000 per bitcoin
0.119 BTC
you supply as protocol collateralbitcoin sits on your address in the contract; nobody takes it
$5,000
you take back in USDThalf the collateral; protocols allow up to 73-80%, half is the sensible take
≈ $20–40 / mo
the loan costsat 4-5% APR; interest ticks every second, no term
+50% on bitcoin
collateral is worth $15,000, debt still $5,000repay with interest anytime - take 0.119 BTC back
USDT borrow rates as of 26.09.2026: Aave v3 - 4.4%, Venus - 4.9% APR. Figures float; this is the order of magnitude on the date.
Deposit

USDT at interest: 3-4% APR in dollars, no term and no questions

Supply USDT to a protocol - interest accrues every second, withdraw anytime. A dollar savings account at many banks pays near zero. Here the rate floats with how many people are borrowing right now.

ProtocolNetworkUSDT supplyUSDT borrowUSDT sittingLive sinceWho audited the code
Aave v3Ethereum3.7%4.4%$2.9B202065 audits and reviews; Trail of Bits, OpenZeppelin, ChainSecurity, Certora
VenusBNB Smart Chain3.2%4.9%$183M2020Certik, Quantstamp, OpenZeppelin, PeckShield, Hacken
Compound v3Ethereum2-4%4-5%$1.5B total2018OpenZeppelin, ChainSecurity
EVAATON2-4%4-6%$9M2023Quantstamp, Trail of Bits
Rates as of 26.09.2026 (aavescan, api.venus.io, DefiLlama). Over the past year USDT on Aave averaged 3.1-3.8%, with demand peaks at 5% and above. All four protocols open from Mitilena Wallet.
Loan

Bitcoin-backed loan: up to 80% of value, sensible take - half

Protocols lend up to 73-80% of collateral value. Half is a convenient figure not because more is impossible, but because at half bitcoin has to drop 36-38% before collateral even becomes a conversation. In that time you will see the number in the wallet a hundred times and press one button.

ProtocolNetworkCollateralYou can takeThresholdUSDT rate
Aave v3EthereumWBTC, cbBTC, ETHup to 73% (ETH - 80%)78%4.4%
VenusBNB Smart ChainBTCB, ETH, BNBup to 80%80%4.9%
Compound v3EthereumWBTC, ETHup to 70% (ETH - 82%)77%4-5%
EVAATONTON, USDTper assetper asset4-6%

One number to watch

Health factor - the buffer between collateral value and debt. Above one - you are fine; Mitilena Wallet shows it next to the loan. At a loan of half bitcoin value it sits around 1.6 and only starts to matter after bitcoin drops by about a third.

If bitcoin fell - two buttons

Add collateral or repay part of the loan - either restores the buffer, both take a minute from the wallet. If you do nothing and price hits the threshold, the protocol sells part of the collateral at a 5-10% discount and closes the debt - no collectors, no calls, no credit-file entries.

If bitcoin rose - nothing to do

USDT debt does not change; collateral gets more valuable: at +50% your $10,000 became $15,000. Borrow more if you want, or repay the $5,000 with interest and take bitcoin that is now worth more. That is “hold without burying it”.
Collateral parameters as of 26.09.2026: Aave v3 - WBTC LTV 73%, threshold 78%, discount 5%; Venus - BTCB collateral factor 80%, discount 10%; Compound v3 - WBTC 70 / 77%, 5%. Protocols change them by vote; the wallet shows live values.
Who lends the money

Mitilena Wallet does not issue loans. Protocols that hold almost 55 billion dollars do

Deposits and loans are not a wallet product and not someone’s company. They are open programs on the blockchain that have run for years, passed dozens of audits, and hold money for hundreds of thousands of people. Mitilena only opens the door - without taking the key.

Whole market · 26.09.2026
$54.8B
sits in 585 lending protocols; Aave alone holds $19.3B and $13.1B of outstanding loans. Source - DefiLlama.

Aave

$19.3B in the protocol
The largest lending protocol in the world: a third of the whole market. Six years without downtime, $4.4B of liquidations with zero bad debt, 65 audits and reviews, bug bounty up to $1M. Code open from day one.

Venus

$1.35B in the protocol
The main protocol on BNB Smart Chain since 2020, nine audit firms from Certik to OpenZeppelin. Cheapest transactions of the four: supply collateral and borrow for cents.

Compound

$1.5B in the protocol
Where on-chain lending started - live since 2018. Code reviewed by OpenZeppelin and ChainSecurity; many protocols copied the collateral-loan model from it.

EVAA

$9M in the protocol
TON-network protocol - for money that moves through Telegram. Young, but audited by Quantstamp and Trail of Bits with TON Foundation support and open code.
Do not confuse with

Three things that use the same words

“USDT staking” on an exchange

An exchange takes your USDT and promises “guaranteed yield”. That is a loan to the exchange on its word: Celsius promised up to 18% and froze $4.7B of client assets in June 2022; FTX offered 8% on dollars months before bankruptcy; BlockFi, Voyager, and Gemini Earn shut the same year. In a protocol your USDT sits in a contract nobody can “freeze pending review”.

“Investments” with monthly yield

Finiko promised up to 25% a month and pulled more than $1.5B in bitcoin before collapsing in July 2021. The tells are the same: fixed percent, referral bonuses, “send to our wallet”, an operator in Telegram. A protocol’s rate floats, there are no bonuses, and money never leaves - it stays on your address.

A bank loan

Pay stubs, credit history, waiting on a decision, a fixed term, a payment schedule, early-repay fees - and personal loans often north of 10-20% APR. Against bitcoin: a minute, 4-5% in dollars, no term and no schedule, repay when you want. The only requirement - hold bitcoin.
In the wallet

How to take a bitcoin-backed loan in Mitilena - five steps

01
Turn bitcoin into collateral formProtocols run on Ethereum, BSC, and TON, so collateral is bitcoin on those networks: WBTC on Ethereum or BTCB on BSC. Native bitcoin swaps to them with the Exchange button inside Mitilena Wallet. BSC is the cheapest option on fees.
02
Supply collateralIn deposits and loans, pick a protocol and asset, enter the amount, sign the transaction. Bitcoin stays on your address inside the protocol contract - nobody, including Mitilena, can take it.
03
Borrow USDTThe wallet shows how much you can borrow and the health factor. Take half - and ignore that number for a year. USDT arrives on your address on the same network.
04
Use the moneyKeep it as USDT, cash out via a trusted OTC desk or P2P (how to do that without getting burned - on the USDT page), or buy more bitcoin. Your money, no strings.
05
Repay whenever you wantRepay button: clear the debt plus accrued interest - all or in parts - and take collateral back. After a day, after a year, after bitcoin doubled - no penalties, no questions.
How it works in Mitilena
Deposit, borrow, and repay sign in Mitilena like any ordinary transaction - no connecting the wallet to a foreign site through MetaMask and no handing over the key. Large amounts sign offline: on an NFC card or a phone with no network; only the signature goes online. What Mitilena’s server sees - nothing: the key and collateral stay on your address; the deal lives in the protocol contract.
Anonymous - but not invisible
The protocol asks for no name, no passport, no source of funds: address and collateral are all it needs. But a blockchain is a public ledger: collateral, borrow, and repay are visible to anyone who knows your address. Borrowed USDT is still USDT with its issuer and blacklist, and crypto gains may be taxable where you live. That does not stop the idea from working - just do not pretend you do not exist.
FAQ

What people ask about a bitcoin-backed loan

Who lends the money if it is not a bank and not the wallet?

Other users of the protocol. They deposited USDT to earn interest; you borrowed against bitcoin collateral. The contract matches both sides and accrues interest. Neither Aave, Venus, nor Mitilena keeps a cash till that pays out loans.

What happens to my bitcoin while it is collateral?

It sits in the protocol contract on your address and moves with the market - same as holding. Nobody can sell it while collateral value stays above the liquidation threshold. Repay the loan - bitcoin is free again, that same second.

What does it actually cost?

Borrow interest is 4-5% APR in USDT as of 26.09.2026, accruing every second. Plus network fees for three transactions (supply collateral, borrow, repay): cents on BSC and TON, a few dollars on Ethereum. Aave and Venus charge no origination, servicing, or early-repayment fees; EVAA charges 0.3% on borrow.

Can I take fiat instead of USDT?

Protocols pay only crypto - USDT, USDC, ETH. Fiat from USDT is a separate step: OTC desk, P2P, or an exchange. How to cash out without getting burned - on the USDT page.

Is this legal?

In many places crypto is treated as property; lending protocols are often not licensed like banks; gains and interest may be taxable. Using Aave or Venus is not itself a crime in most jurisdictions - but local rules differ, and this is not legal advice. Check with a lawyer where you live.

What if the protocol is hacked?

That is the real risk, and it is not zero: Euler lost $197M in 2023 (all returned), Cream - $130M in 2021. Aave over six years and $4.4B of liquidations - zero bad debt; Compound since 2018 - no deposit losses from code. That is why Mitilena Wallet opens only these four protocols, not hundreds of yield farms.

Bitcoin keeps holding - $5,000 in your pocket. Mitilena Wallet in 30 seconds

No sign-up · deposits and loans via Aave, Venus, Compound, EVAA · what is USDT and how to cash it out
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