Borrow Agent
· Avoid liquidation
Keep your Bitcoin through the next crash.
Borrow against your Bitcoin and let an agent watch the loan around the clock. If the price falls, it warns you, then steps in before your loan reaches liquidation.
Checks your loan every 5 minutes
Alerts you at the warning level
Repays before liquidation
Non-custodial
Watch the crash · 0:42
Borrow Agent
· Avoid liquidation
Keep your Bitcoin through the next crash.
Borrow against your Bitcoin and let an agent watch the loan around the clock. If the price falls, it warns you, then steps in before your loan reaches liquidation.
Checks your loan every 5 minutes
Alerts you at the warning level
Repays before liquidation
Non-custodial
Watch the crash · 0:42
Borrow Agent
· Avoid liquidation
Keep your Bitcoin through the next crash.
Borrow against your Bitcoin and let an agent watch the loan around the clock. If the price falls, it warns you, then steps in before your loan reaches liquidation.
Checks your loan every 5 minutes
Alerts you at the warning level
Repays before liquidation
Non-custodial
Watch the crash · 0:42
WHAT LIQUIDATION COSTS
A crash doesn’t wait for you to check.
When Bitcoin falls far enough, the lending market sells your collateral to repay the loan, and charges you for it. It can happen overnight.
YOUR BITCOIN
Sold
Liquidators repay your loan and take your Bitcoin in return, at the low price, not when you'd choose.
A PENALTY
4%
On top of the loan, you lose a liquidation penalty. On Aave's cbBTC market on Base it's 4% of what's repaid.
ONE BAD DAY
−14%
Bitcoin's daily close fell 14% from 5 to 6 February 2026. A loan that looked fine one evening was liquidated the next.
WHAT LIQUIDATION COSTS
A crash doesn’t wait for you to check.
When Bitcoin falls far enough, the lending market sells your collateral to repay the loan, and charges you for it. It can happen overnight.
YOUR BITCOIN
Sold
Liquidators repay your loan and take your Bitcoin in return, at the low price, not when you'd choose.
A PENALTY
4%
On top of the loan, you lose a liquidation penalty. On Aave's cbBTC market on Base it's 4% of what's repaid.
ONE BAD DAY
−14%
Bitcoin's daily close fell 14% from 5 to 6 February 2026. A loan that looked fine one evening was liquidated the next.
WHAT LIQUIDATION COSTS
A crash doesn’t wait for you to check.
When Bitcoin falls far enough, the lending market sells your collateral to repay the loan, and charges you for it. It can happen overnight.
YOUR BITCOIN
Sold
Liquidators repay your loan and take your Bitcoin in return, at the low price, not when you'd choose.
A PENALTY
4%
On top of the loan, you lose a liquidation penalty. On Aave's cbBTC market on Base it's 4% of what's repaid.
ONE BAD DAY
−14%
Bitcoin's daily close fell 14% from 5 to 6 February 2026. A loan that looked fine one evening was liquidated the next.
HOW IT WORKS
Borrow with someone on watch.
Your loan has a safety score, called a health factor. The agent tracks it every 5 minutes and acts at clear lines you can see.
Deposit Bitcoin, borrow USDC
Use your Bitcoin (cbBTC on Base) as collateral and borrow USDC against it. You keep owning the Bitcoin.
01
Choose how careful the agent is
Pick a risk setting. It sets the lines below: when you get a warning, when the agent steps in, and the level it brings your loan back to.
02
It watches, warns and repays
If the score drops, you get an alert. If it keeps falling, the agent repays some of the loan, first from idle funds, then by selling a little Bitcoin, and brings it back to a safer level.
03
LOAN SAFETY SCORE (HEALTH FACTOR)
Safe
Nothing to do.
above 1.3
Warning
You get an alert.
1.3
Agent acts
Sells a little, repays, back to 1.5.
1.1
Liquidation
The market sells your Bitcoin.
1.0
Lines shown for the Explorative setting. Each setting has its own lines.
HOW IT WORKS
Borrow with someone on watch.
Your loan has a safety score, called a health factor. The agent tracks it every 5 minutes and acts at clear lines you can see.
Deposit Bitcoin, borrow USDC
Use your Bitcoin (cbBTC on Base) as collateral and borrow USDC against it. You keep owning the Bitcoin.
01
Choose how careful the agent is
Pick a risk setting. It sets the lines below: when you get a warning, when the agent steps in, and the level it brings your loan back to.
02
It watches, warns and repays
If the score drops, you get an alert. If it keeps falling, the agent repays some of the loan, first from idle funds, then by selling a little Bitcoin, and brings it back to a safer level.
03
LOAN SAFETY SCORE (HEALTH FACTOR)
Safe
Nothing to do.
above 1.3
Warning
You get an alert.
1.3
Agent acts
Sells a little, repays, back to 1.5.
1.1
Liquidation
The market sells your Bitcoin.
1.0
Lines shown for the Explorative setting. Each setting has its own lines.
HOW IT WORKS
Borrow with someone on watch.
Your loan has a safety score, called a health factor. The agent tracks it every 5 minutes and acts at clear lines you can see.
Deposit Bitcoin, borrow USDC
Use your Bitcoin (cbBTC on Base) as collateral and borrow USDC against it. You keep owning the Bitcoin.
01
Choose how careful the agent is
Pick a risk setting. It sets the lines below: when you get a warning, when the agent steps in, and the level it brings your loan back to.
02
It watches, warns and repays
If the score drops, you get an alert. If it keeps falling, the agent repays some of the loan, first from idle funds, then by selling a little Bitcoin, and brings it back to a safer level.
03
LOAN SAFETY SCORE (HEALTH FACTOR)
Safe
Nothing to do.
above 1.3
Warning
You get an alert.
1.3
Agent acts
Sells a little, repays, back to 1.5.
1.1
Liquidation
The market sells your Bitcoin.
1.0
Lines shown for the Explorative setting. Each setting has its own lines.
A REAL CRASH
Two identical loans. One survived.
On 14 January 2026, two people each deposit 1 BTC at $95,429 and borrow $55,000. By 6 February, Bitcoin is down 34%.
Loan safety score
14 Jan → 6 Feb 2026 · daily closes
On their own
With the Borrow Agent
Hover or tap the chart to see each day.
On their own
LIQUIDATED
0.91 BTC seized
On 6 Feb their score hit 0.94. The whole loan was repaid by liquidators, including a $2,207 penalty. 0.09 BTC left.
With the Borrow Agent
SAFE
Sold 0.46 BTC, repaid $33,418
On 5 Feb the score crossed 1.1. The agent sold a little and repaid, back to 1.5. On 6 Feb it was 1.29. Still holding 0.54 BTC.
+$14,200
more today with the agent, after repaying the loan (8 Oct 2026, BTC $81,242).
How we worked this out. BTC/USD daily closes from CoinGecko. Aave V3 cbBTC terms on Base: 83% liquidation threshold, 4% penalty, full liquidation below 0.95. Explorative agent setting (acts at 1.1, back to 1.5), 1% slippage on the sale, 5% APR on the loan. In reality the agent checks every 5 minutes, so it could have sold slightly higher or lower than the daily close. Past results don't predict future ones.
A REAL CRASH
Two identical loans. One survived.
On 14 January 2026, two people each deposit 1 BTC at $95,429 and borrow $55,000. By 6 February, Bitcoin is down 34%.
Loan safety score
14 Jan → 6 Feb 2026 · daily closes
On their own
With the Borrow Agent
Hover or tap the chart to see each day.
On their own
LIQUIDATED
0.91 BTC seized
On 6 Feb their score hit 0.94. The whole loan was repaid by liquidators, including a $2,207 penalty. 0.09 BTC left.
With the Borrow Agent
SAFE
Sold 0.46 BTC, repaid $33,418
On 5 Feb the score crossed 1.1. The agent sold a little and repaid, back to 1.5. On 6 Feb it was 1.29. Still holding 0.54 BTC.
+$14,200
more today with the agent, after repaying the loan (8 Oct 2026, BTC $81,242).
How we worked this out. BTC/USD daily closes from CoinGecko. Aave V3 cbBTC terms on Base: 83% liquidation threshold, 4% penalty, full liquidation below 0.95. Explorative agent setting (acts at 1.1, back to 1.5), 1% slippage on the sale, 5% APR on the loan. In reality the agent checks every 5 minutes, so it could have sold slightly higher or lower than the daily close. Past results don't predict future ones.
A REAL CRASH
Two identical loans. One survived.
On 14 January 2026, two people each deposit 1 BTC at $95,429 and borrow $55,000. By 6 February, Bitcoin is down 34%.
Loan safety score
14 Jan → 6 Feb 2026 · daily closes
On their own
With the Borrow Agent
Hover or tap the chart to see each day.
On their own
LIQUIDATED
0.91 BTC seized
On 6 Feb their score hit 0.94. The whole loan was repaid by liquidators, including a $2,207 penalty. 0.09 BTC left.
With the Borrow Agent
SAFE
Sold 0.46 BTC, repaid $33,418
On 5 Feb the score crossed 1.1. The agent sold a little and repaid, back to 1.5. On 6 Feb it was 1.29. Still holding 0.54 BTC.
+$14,200
more today with the agent, after repaying the loan (8 Oct 2026, BTC $81,242).
How we worked this out. BTC/USD daily closes from CoinGecko. Aave V3 cbBTC terms on Base: 83% liquidation threshold, 4% penalty, full liquidation below 0.95. Explorative agent setting (acts at 1.1, back to 1.5), 1% slippage on the sale, 5% APR on the loan. In reality the agent checks every 5 minutes, so it could have sold slightly higher or lower than the daily close. Past results don't predict future ones.
WHAT IT CAN'T DO
Honest about the limits.
The agent lowers the risk of liquidation. It doesn't remove the risks of borrowing.
It can't stop the price falling.
Protecting the loan can mean selling some Bitcoin at a low price. In the example, the agent sold 0.46 BTC near the bottom.
Very fast drops can still hurt.
It checks every 5 minutes. A sharp enough move between checks, or a congested network, could still lead to liquidation.
Borrowing costs change.
The interest rate on your loan is set by the lending market and moves over time.
Smart contracts carry risk.
Lending protocols can be hacked, paused or short of liquidity. Yieldseeker's contracts are audited, but no audit removes all risk.
WHAT IT CAN'T DO
Honest about the limits.
The agent lowers the risk of liquidation. It doesn't remove the risks of borrowing.
It can't stop the price falling.
Protecting the loan can mean selling some Bitcoin at a low price. In the example, the agent sold 0.46 BTC near the bottom.
Very fast drops can still hurt.
It checks every 5 minutes. A sharp enough move between checks, or a congested network, could still lead to liquidation.
Borrowing costs change.
The interest rate on your loan is set by the lending market and moves over time.
Smart contracts carry risk.
Lending protocols can be hacked, paused or short of liquidity. Yieldseeker's contracts are audited, but no audit removes all risk.
WHAT IT CAN'T DO
Honest about the limits.
The agent lowers the risk of liquidation. It doesn't remove the risks of borrowing.
It can't stop the price falling.
Protecting the loan can mean selling some Bitcoin at a low price. In the example, the agent sold 0.46 BTC near the bottom.
Very fast drops can still hurt.
It checks every 5 minutes. A sharp enough move between checks, or a congested network, could still lead to liquidation.
Borrowing costs change.
The interest rate on your loan is set by the lending market and moves over time.
Smart contracts carry risk.
Lending protocols can be hacked, paused or short of liquidity. Yieldseeker's contracts are audited, but no audit removes all risk.
▪ FAQ
Questions about liquidation.
What is liquidation on a crypto loan?
+
What is a health factor?
+
How does the Borrow Agent avoid liquidation?
+
Will the agent sell my Bitcoin?
+
Can I still be liquidated?
+
Which assets and networks does it support?
+
Do I keep control of my funds?
+
▪ FAQ
Questions about liquidation.
What is liquidation on a crypto loan?
+
What is a health factor?
+
How does the Borrow Agent avoid liquidation?
+
Will the agent sell my Bitcoin?
+
Can I still be liquidated?
+
Which assets and networks does it support?
+
Do I keep control of my funds?
+
▪ FAQ
Questions about liquidation.
What is liquidation on a crypto loan?
+
What is a health factor?
+
How does the Borrow Agent avoid liquidation?
+
Will the agent sell my Bitcoin?
+
Can I still be liquidated?
+
Which assets and networks does it support?
+
Do I keep control of my funds?
+
MORE WAYS TO USE YIELDSEEKER
Other things the agents do.
MORE WAYS TO USE YIELDSEEKER
Other things the agents do.
MORE WAYS TO USE YIELDSEEKER
Other things the agents do.
THE BORROW AGENT IS LIVE
Borrow without watching the chart all night.
Deposit Bitcoin, borrow USDC, and let the agent keep the loan safe.
Start borrowing
Illustrative example, not financial advice. Crypto assets are volatile and you can lose money. Borrowing against crypto carries the risk of liquidation. Past results don't predict future ones.
THE BORROW AGENT IS LIVE
Borrow without watching the chart all night.
Deposit Bitcoin, borrow USDC, and let the agent keep the loan safe.
Start borrowing
Illustrative example, not financial advice. Crypto assets are volatile and you can lose money. Borrowing against crypto carries the risk of liquidation. Past results don't predict future ones.
THE BORROW AGENT IS LIVE
Borrow without watching the chart all night.
Deposit Bitcoin, borrow USDC, and let the agent keep the loan safe.
Start borrowing
Illustrative example, not financial advice. Crypto assets are volatile and you can lose money. Borrowing against crypto carries the risk of liquidation. Past results don't predict future ones.