Cadena Bitcoin
Bitcoin Only
Non-custodial Bitcoin lending and borrowing marketplace where users can access Bitcoin-backed loans while retaining key control.
Interest Rates
Rate12% interest
Rate notes
12% + 1% Cadena fee (13% APR all-in, 1-year market rate)
Origination Fee1%
Loan Details
Minimum Loan$1,000
Maximum Loan$1,000,000 per contract
Max LTV50%
Example Loan Calculation
Based on a $50,000 loan at 12% interest over 12 months
$4,442
Monthly Payment
$53,309
Total Payment
$3,309
Total Interest
Illustrative estimate only. Actual rates, fees, payment schedules, and payoff amounts may vary.
Frequently Asked Questions About Cadena Bitcoin
Cadena Bitcoin: 12% interest. Actual rates depend on loan-to-value ratio, loan amount, and term length.
The minimum loan amount at Cadena Bitcoin is $1,000. This allows both small and large borrowers to access Bitcoin-backed lending.
Cadena Bitcoin has a risk score of 7.0/10 based on our analysis of custody practices, regulatory compliance, and operational history. Always conduct your own research before depositing Bitcoin as collateral.
Cadena Bitcoin offers a maximum loan-to-value (LTV) ratio of 50%. This means you can borrow up to 50% of your Bitcoin's current value. Higher LTV means more borrowing power but also higher liquidation risk.
Cadena Bitcoin offers loan terms of 3 to 12 months. Peer-to-peer Bitcoin-backed loans; public terms not fully listed
About this analysis
21Rates Editorial TeamBitcoin Financial Research Analysts
Our research team analyzes Bitcoin lending platforms using proprietary risk scoring, rate comparison data, and user reviews. We independently verify lender terms and maintain up-to-date information to help you make informed borrowing decisions.
Last verified: Oct 28, 2026