Bitcoin Wedding: A High-Stakes Loan Success Story
How one borrower funded a $30k wedding without selling BTC, barely avoiding liquidation during a crash.
User Story: Funding a Wedding with Bitcoin
Inspired by the phone case study, a groom-to-be in 2025 used a 60% LTV loan to cover wedding costs while holding his BTC.
He borrowed $15k against $25k of BTC to pay deposits, leaving little buffer for volatility.
A sudden price drop pushed LTV above 75%, threatening liquidation if he didn't add collateral.
He took a short-term personal loan to buy more BTC at the dip, reducing LTV to about 40%.
Bitcoin rebounded by mid-2025. He sold a small portion to repay both loans while keeping most of his BTC.
The wedding was a success, and his remaining BTC was worth more than the $30k spent.
Lessons Learned
The Borrower realized that starting with a 60% Loan-to-Value (LTV) ratio was too aggressive in a volatile market like Bitcoin. A lower LTV of 30–40% would have provided a much-needed cushion during the price dip, avoiding the scramble to add emergency collateral and drastically reducing emotional and financial stress.
Bitcoin’s price crash highlighted the core unpredictability of crypto markets. Even with a strong long-term belief in BTC, the Borrower learned that short-term volatility can create massive shortfalls if you’re over-leveraged. Building financial strategies that account for sudden swings is essential.
Having access to a personal loan proved crucial. Without this backup option, the Borrower likely would have faced liquidation. This underscored the importance of having alternate liquidity sources when using volatile assets as collateral.
By riding out the dip and selling only after Bitcoin rebounded, the Borrower preserved his crypto holdings and even came out ahead. While this worked out in the end, the experience showed that timing gains only works if you can survive the lows without being forced to sell.
Risks and Mitigations
Aim for a lower LTV—ideally 30–40%—to withstand large price fluctuations without risking liquidation.
Monitor LTV closely and have spare collateral or funds ready to top up if needed.
Choose platforms with top-tier security practices (cold storage, audits, insurance) and diversify across platforms if possible.
Maintain an emergency liquidity buffer or line of credit when using crypto loans to avoid being caught off guard.
Supporting Quotes
I paid my marriage with Bitcoin.
Source: Casimiro Filipe
With bitcoin hitting a record high of over $16,000, one wedding in Indiana just got bigger.
Source: NBC News
Most of their guests gave them bitcoin as a gift.
Source: CNBC
Bitcoin is a tool for freeing humanity from oligarchs and tyrants, dressed up as a get-rich-quick scheme.
Source: Naval Ravikant
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