Buy Your Phone with Bitcoin Without Losing All Your Purchase Power

Use your Bitcoin as collateral to get cash for a phone, repay with price gains, and keep most of your Bitcoin, just like real estate investors leverage property without selling it.

Case Study: Alex Buys an iPhone

Alex has 0.03 BTC (worth $3,000) and wants to buy a new $1,000 iPhone without selling his Bitcoin and missing out on future gains.

1. Deposit Collateral

Alex deposits his 0.03 BTC with a platform like Sovryn Zero, giving him a strong buffer on the initial Loan To Value ratio.

2. Get Cash, Buy Phone

He borrows $1,000 in stablecoins against his BTC and uses it to purchase the new iPhone.

3. Repay with Gains

Six months later, Bitcoin rises 25% to $125,000. Alex sells just 0.008 BTC to repay the $1,000 loan.

4. Preserve Purchase Power

Alex still holds 0.092 BTC, which is now worth $11,500. By leveraging his Bitcoin, he kept almost all of it and got the phone.

The Power of Not Selling

Had Alex sold BTC initially, he would have given up 0.01 BTC. By borrowing, he only sold 0.008 BTC to repay the loan. He preserved 0.002 BTC, worth $250 at the new price.

Key Benefits of This Strategy

Preserve Purchase Power

Hold onto appreciating assets while still accessing cash when needed.

Low Financial Risk

Small loan size relative to collateral minimizes the chance of liquidation.

Tax Efficiency

Borrowing doesn’t trigger capital gains, unlike selling your Bitcoin.

Ultimate Flexibility

Use this method for phones, laptops, emergencies, or any other expense.

Calculate Your Purchase

Your BTC Holdings

Purchase Price ($)

Expected BTC Price Increase (%)

This website is for informational purposes only and does not constitute financial advice. The cryptocurrency market is highly volatile. Please consult with a qualified financial advisor before making any investment decisions.

Supporting Quotes

Get a personal loan using bitcoin as collateral. Fund that new home, dream vacation, new car or build a rainy day fund.

Source: SALT Lending

Turn your Bitcoin, Ethereum, or other crypto into cash without selling them. It's simple and fast.

Source: YouHodler

Access USD liquidity with Ledn’s secure bitcoin-backed loans - keep your BTC, get cash in hours, no selling required.

Source: Ledn

Borrow USDC and turn it into USD—perfect for large purchases, one-time expenses, and more.

Source: Coinbase

More Case Studies

Earn a Monthly Income from Your Bitcoin

Generate a modest income stream by borrowing against your Bitcoin and deploying the funds into yield-generating strategies, only when interest free loans and stable DeFi yields create a favorable spread.

Multiply Your Bitcoin Holdings

An advanced strategy for experienced Bitcoin holders to amplify exposure by looping collateral, only when platforms and market conditions allow safe, interest free borrowing.

Funding a Wedding with Bitcoin

A real borrower used a high-LTV BTC loan for a $30k ceremony, narrowly avoiding liquidation.

Spend Without Selling — Bitcoin-Collateralized Credit Card Purchases

Maintain or even grow your purchasing power by spending borrowed dollars while your BTC remains untouched.

Regenerative Finance for NGOs

Tokenize projects to fund housing and ocean conservation in tandem.

Protecting Bitcoin-Collateralized Loans with Liquidation Insurance

Reduce liquidation risk on high-LTV loans by adding an automated insurance layer like SALT Shield.

DCA with Collateral Rebalancing

Borrow against Bitcoin to buy dips and add collateral or repay as prices move.

Top Lending Platforms

Choose a provider and start borrowing today.