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Side-by-side comparison of Bitcoin lending platforms to help you find the right fit.

Comparing 3 platforms
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Attribute
Sovryn Zero
Unchained
Ledn
Type
Decentralized
Hybrid
Centralized
Interest Rate0% (5-7.5% origination fee)12-14% APR12.4%+ APR
Max LTVUp to 90.9%40-60%50%
Min Loan
No minimum$10,000$1,000
Jurisdiction
Global (DeFi)United StatesGlobal (HQ: Canada)
CollateralBTC (on RSK)BTCBTC
Adoption
Low
Medium
High
Risk
Medium
Low
Medium
Est.202120162018
Key Features0% interest loans, no credit checks, flexible repayment, fully decentralized on RSK sidechain.Collaborative custody (2-of-3 multisig), client holds keys, institutional-grade security, IRA services.B2X loans (double your BTC), proof of reserves, no lockups on savings, quick onboarding.
Benefits
  • 0% interest loans
  • Very high LTV up to 90.9%
  • Multisig custody for added security
  • Business-friendly services
  • Simple application process
  • Option for B2X loans
Risks
  • Requires use of the RSK sidechain
  • Smart contract risk
  • Higher interest rates
  • Requires more onboarding steps
  • Lower LTV compared to others
  • Centralized custody
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Important disclaimer

Important Notice

This comparison is for educational purposes only. Rates, terms, and features change frequently. Always verify current information directly with each platform before making any decisions.

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