Borrow Agent
· Live off your Bitcoin
Live off your Bitcoin, the way the rich do.
The wealthy rarely sell what they own to pay for life. They borrow against it. Do the same: draw what you need each month and keep every coin.
Borrow when you need it
Ask in plain English
Loan checked every 5 minutes
Non-custodial
Watch: living off your Bitcoin · 0:42
Borrow Agent
· Live off your Bitcoin
Live off your Bitcoin, the way the rich do.
The wealthy rarely sell what they own to pay for life. They borrow against it. Do the same: draw what you need each month and keep every coin.
Borrow when you need it
Ask in plain English
Loan checked every 5 minutes
Non-custodial
Watch: living off your Bitcoin · 0:42
Borrow Agent
· Live off your Bitcoin
Live off your Bitcoin, the way the rich do.
The wealthy rarely sell what they own to pay for life. They borrow against it. Do the same: draw what you need each month and keep every coin.
Borrow when you need it
Ask in plain English
Loan checked every 5 minutes
Non-custodial
Watch: living off your Bitcoin · 0:42
THE USUAL WAY
Living off Bitcoin usually means selling it.
Every month you sell a little. When the price drops, the same cash costs you more coins.
YOUR STACK
−0.32 BTC
Selling $2,000 a month for a year used up almost a third of a coin.
BAD TIMING
1.9×
$2,000 cost 0.018 BTC in November 2025, and 0.034 BTC in July 2026, after the price fell.
TAX
Every sale
Each sale can be taxable, depending on where you live.
THE USUAL WAY
Living off Bitcoin usually means selling it.
Every month you sell a little. When the price drops, the same cash costs you more coins.
YOUR STACK
−0.32 BTC
Selling $2,000 a month for a year used up almost a third of a coin.
BAD TIMING
1.9×
$2,000 cost 0.018 BTC in November 2025, and 0.034 BTC in July 2026, after the price fell.
TAX
Every sale
Each sale can be taxable, depending on where you live.
THE USUAL WAY
Living off Bitcoin usually means selling it.
Every month you sell a little. When the price drops, the same cash costs you more coins.
YOUR STACK
−0.32 BTC
Selling $2,000 a month for a year used up almost a third of a coin.
BAD TIMING
1.9×
$2,000 cost 0.018 BTC in November 2025, and 0.034 BTC in July 2026, after the price fell.
TAX
Every sale
Each sale can be taxable, depending on where you live.
HOW IT WORKS
Borrow what you need, when you need it.
Instead of selling each month, you ask the agent to borrow a little more. Your Bitcoin stays put.
Deposit your Bitcoin
Use your Bitcoin (cbBTC on Base) as collateral. You keep owning every coin.
01
Ask for this month's cash
Tell the agent in chat, for example "Borrow another $2,000 for this month." It raises your borrowing limit and sends the USDC.
02
It keeps the loan safe
The agent only borrows while the loan stays safe. It checks every 5 minutes and steps in before liquidation.
03
FROM THE VIDEO
Borrow another $2,000 for this month.
Loan $4,000
Loan-to-value 4.4%
Status Safe
On it. $2,000 is on its way, and your Bitcoin stays put.
Draws happen when you ask. There are no automatic monthly payouts yet.
HOW IT WORKS
Borrow what you need, when you need it.
Instead of selling each month, you ask the agent to borrow a little more. Your Bitcoin stays put.
Deposit your Bitcoin
Use your Bitcoin (cbBTC on Base) as collateral. You keep owning every coin.
01
Ask for this month's cash
Tell the agent in chat, for example "Borrow another $2,000 for this month." It raises your borrowing limit and sends the USDC.
02
It keeps the loan safe
The agent only borrows while the loan stays safe. It checks every 5 minutes and steps in before liquidation.
03
FROM THE VIDEO
Borrow another $2,000 for this month.
Loan $4,000
Loan-to-value 4.4%
Status Safe
On it. $2,000 is on its way, and your Bitcoin stays put.
Draws happen when you ask. There are no automatic monthly payouts yet.
HOW IT WORKS
Borrow what you need, when you need it.
Instead of selling each month, you ask the agent to borrow a little more. Your Bitcoin stays put.
Deposit your Bitcoin
Use your Bitcoin (cbBTC on Base) as collateral. You keep owning every coin.
01
Ask for this month's cash
Tell the agent in chat, for example "Borrow another $2,000 for this month." It raises your borrowing limit and sends the USDC.
02
It keeps the loan safe
The agent only borrows while the loan stays safe. It checks every 5 minutes and steps in before liquidation.
03
FROM THE VIDEO
Borrow another $2,000 for this month.
Loan $4,000
Loan-to-value 4.4%
Status Safe
On it. $2,000 is on its way, and your Bitcoin stays put.
Draws happen when you ask. There are no automatic monthly payouts yet.
A REAL YEAR
$2,000 a month, through a 47% drop.
From 1 November 2025, someone with 1 BTC needs $2,000 on the 1st of every month. One sells a little each time. The other borrows.
What each person owns
1 Nov 2025 → 8 Oct 2026 · Bitcoin minus what they owe
Selling each month
Borrowing with the agent
Hover or tap the chart to see each day.
Selling each month
SOLD 0.32 BTC
0.68 BTC left
Worth $55,518 on 8 Oct. More coins went in the months when the price was low.
Borrowing with the agent
KEPT 1.00 BTC
1.00 BTC kept, $24,573 owed
$24,000 borrowed plus $573 interest. After repaying it, $56,669. The loan never went above about a third of the Bitcoin's value.
+$1,150
ahead by borrowing after a year, after repaying the loan (8 Oct 2026, BTC $81,242).
How we worked this out. BTC/USD daily closes from CoinGecko, 1 Nov 2025 to 8 Oct 2026. $2,000 drawn on the 1st of each month (12 draws). Loan cost assumes 5% APR simple interest. Bitcoin fell 47% from its November peak to 1 July, and the loan-to-value peaked at about 32%, well below Aave’s 83% liquidation threshold. Tax isn’t modelled. Past results don’t predict future ones.
A REAL YEAR
$2,000 a month, through a 47% drop.
From 1 November 2025, someone with 1 BTC needs $2,000 on the 1st of every month. One sells a little each time. The other borrows.
What each person owns
1 Nov 2025 → 8 Oct 2026 · Bitcoin minus what they owe
Selling each month
Borrowing with the agent
Hover or tap the chart to see each day.
Selling each month
SOLD 0.32 BTC
0.68 BTC left
Worth $55,518 on 8 Oct. More coins went in the months when the price was low.
Borrowing with the agent
KEPT 1.00 BTC
1.00 BTC kept, $24,573 owed
$24,000 borrowed plus $573 interest. After repaying it, $56,669. The loan never went above about a third of the Bitcoin's value.
+$1,150
ahead by borrowing after a year, after repaying the loan (8 Oct 2026, BTC $81,242).
How we worked this out. BTC/USD daily closes from CoinGecko, 1 Nov 2025 to 8 Oct 2026. $2,000 drawn on the 1st of each month (12 draws). Loan cost assumes 5% APR simple interest. Bitcoin fell 47% from its November peak to 1 July, and the loan-to-value peaked at about 32%, well below Aave’s 83% liquidation threshold. Tax isn’t modelled. Past results don’t predict future ones.
A REAL YEAR
$2,000 a month, through a 47% drop.
From 1 November 2025, someone with 1 BTC needs $2,000 on the 1st of every month. One sells a little each time. The other borrows.
What each person owns
1 Nov 2025 → 8 Oct 2026 · Bitcoin minus what they owe
Selling each month
Borrowing with the agent
Hover or tap the chart to see each day.
Selling each month
SOLD 0.32 BTC
0.68 BTC left
Worth $55,518 on 8 Oct. More coins went in the months when the price was low.
Borrowing with the agent
KEPT 1.00 BTC
1.00 BTC kept, $24,573 owed
$24,000 borrowed plus $573 interest. After repaying it, $56,669. The loan never went above about a third of the Bitcoin's value.
+$1,150
ahead by borrowing after a year, after repaying the loan (8 Oct 2026, BTC $81,242).
How we worked this out. BTC/USD daily closes from CoinGecko, 1 Nov 2025 to 8 Oct 2026. $2,000 drawn on the 1st of each month (12 draws). Loan cost assumes 5% APR simple interest. Bitcoin fell 47% from its November peak to 1 July, and the loan-to-value peaked at about 32%, well below Aave’s 83% liquidation threshold. Tax isn’t modelled. Past results don’t predict future ones.
WHAT IT CAN'T DO
Honest about the limits.
Borrowing to live keeps your coins. It also means carrying a loan that grows every month.
Borrowing was behind for most of the year.
In this example the seller was slightly ahead on most days, while Bitcoin was below where it started. Borrowing only pulled ahead when the price recovered in September.
The debt grows every month.
Each draw adds to the loan, and interest keeps adding up. If Bitcoin falls for longer, the loan takes a bigger share of what you own.
Liquidation risk is real.
The agent steps in before liquidation, which can mean selling some Bitcoin at a low price. A very fast drop can still hurt.
This isn't tax advice.
Whether borrowing is treated differently from selling depends on where you live. Ask a tax adviser.
WHAT IT CAN'T DO
Honest about the limits.
Borrowing to live keeps your coins. It also means carrying a loan that grows every month.
Borrowing was behind for most of the year.
In this example the seller was slightly ahead on most days, while Bitcoin was below where it started. Borrowing only pulled ahead when the price recovered in September.
The debt grows every month.
Each draw adds to the loan, and interest keeps adding up. If Bitcoin falls for longer, the loan takes a bigger share of what you own.
Liquidation risk is real.
The agent steps in before liquidation, which can mean selling some Bitcoin at a low price. A very fast drop can still hurt.
This isn't tax advice.
Whether borrowing is treated differently from selling depends on where you live. Ask a tax adviser.
WHAT IT CAN'T DO
Honest about the limits.
Borrowing to live keeps your coins. It also means carrying a loan that grows every month.
Borrowing was behind for most of the year.
In this example the seller was slightly ahead on most days, while Bitcoin was below where it started. Borrowing only pulled ahead when the price recovered in September.
The debt grows every month.
Each draw adds to the loan, and interest keeps adding up. If Bitcoin falls for longer, the loan takes a bigger share of what you own.
Liquidation risk is real.
The agent steps in before liquidation, which can mean selling some Bitcoin at a low price. A very fast drop can still hurt.
This isn't tax advice.
Whether borrowing is treated differently from selling depends on where you live. Ask a tax adviser.
▪ FAQ
Questions about living off your Bitcoin.
What does "buy, borrow, die" mean?
+
How do I take money each month?
+
How much can I safely draw?
+
Do I ever have to repay?
+
What if Bitcoin falls a lot?
+
Is this better than selling?
+
▪ FAQ
Questions about living off your Bitcoin.
What does "buy, borrow, die" mean?
+
How do I take money each month?
+
How much can I safely draw?
+
Do I ever have to repay?
+
What if Bitcoin falls a lot?
+
Is this better than selling?
+
▪ FAQ
Questions about living off your Bitcoin.
What does "buy, borrow, die" mean?
+
How do I take money each month?
+
How much can I safely draw?
+
Do I ever have to repay?
+
What if Bitcoin falls a lot?
+
Is this better than selling?
+
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
Spend your Bitcoin. Keep your Bitcoin.
Deposit Bitcoin, borrow what you need each month, and let the agent keep the loan safe.
Start borrowing
Illustrative example, not financial or tax 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
Spend your Bitcoin. Keep your Bitcoin.
Deposit Bitcoin, borrow what you need each month, and let the agent keep the loan safe.
Start borrowing
Illustrative example, not financial or tax 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
Spend your Bitcoin. Keep your Bitcoin.
Deposit Bitcoin, borrow what you need each month, and let the agent keep the loan safe.
Start borrowing
Illustrative example, not financial or tax 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.