Making Loan Management Simpler

Our team has been working to make managing your loans even simpler.

Now you'll see your loan health at a glance on your dashboard, real-time price levels that trigger key actions on individual loan pages, and upfront pricing on buy/sell price for trade, B2X, and BTC repayments. Plus, we've added new features to our Open Book Report.

Read on to learn more.

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All your loan details in one place

‍Each loan now has its own dedicated page with clear health indicators and complete position details. Everything you need, right where you expect it. (Transaction history and P&L tracking coming soon.)

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Full transparency on every trade

‍See the bitcoin amount, sell/buy price, what you receive, and the spread percentage before every B2X loan, BTC/USDC trade or BTC collateral loan repayment.

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Stay focused on what matters

‍See what matters most at a glance: loan health status and key actions like repaying, adding or redeeming collateral. For the full range of actions and detailed loan information, click on any loan.

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Track your position in real-time

‍The new BTC price tracker shows the key price levels associated with your loan, including the price at which your loan would be liquidated, the price to hit 70% LTV (when auto top-up is triggered if it’s enabled), the price you can redeem excess collateral, and Ledn’s current market price feed for the loan.
‍Go to my dashboard →

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Auto Top-Up: 24/7 Collateral Protection

‍Bitcoin moves fast, and auto top-up keeps your loan safe automatically. When your LTV hits 70%, funds from your Transaction Account instantly move to your collateral wallet, rebalancing to 65% (new as of December vs. 50% previously, keeping more funds available to you). No manual action needed, even when you're offline.

‍Example: Your $50,000 loan has $83,000 in BTC collateral (60% LTV). Bitcoin drops 12% overnight. At 70% LTV, auto top-up automatically adds $3,883 worth of BTC from your Transaction Account, restoring your LTV to 65% before you check your phone.Based on your feedback, you can now enable or disable auto top-up per loan with individual control instead of one-size-fits-all.A significant drop in collateral value could still lead to liquidation, resulting in financial loss. Auto top-up helps manage this risk but doesn't eliminate it.

‍Configure your settings →

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Independent proof your bitcoin is safe

‍The Open Book Report now provides monthly independent attestation from The Network Firm, showing that 100% of loan collateral is custodied, legally protected, and never lent out. Giving you evidence, not just promises.

‍View the report →