Liquidium is a decentralized cross-chain lending protocol. Today it supports Bitcoin, Ethereum, and the Internet Computer (ICP), with Solana support coming soon. Unlike traditional DeFi protocols, Liquidium lets you use collateral on one chain to borrow on another—without centralized bridges or wrapping. Chain Fusion handles cross-chain operations securely behind the scenes.

How does cross-chain lending work?

Cross-chain lending on Liquidium works across Bitcoin, Ethereum, and the Internet Computer through Chain Fusion. You can supply supported assets and borrow from the available pools shown in the app. For example, you can use BTC collateral to borrow USDT on Ethereum. Assets stay on their native chain while Chain Fusion handles the cross-chain complexity. Solana support is coming soon.

What blockchains does Liquidium support?

Liquidium currently supports Bitcoin, Ethereum, and the Internet Computer, including native BTC, ETH, and ICP plus supported stablecoins. Solana support is coming soon, with more blockchain networks added over time based on community demand and security considerations. Each chain integration undergoes rigorous security audits before launch.

Is Liquidium safe to use?

Liquidium is designed with security as the top priority. All loans are over-collateralized to ensure protocol solvency. The protocol is non-custodial, meaning you always maintain control of your assets. Liquidium's Smart contracts undergo multiple independent security audits. However, like all DeFi protocols, there are inherent risks including smart contract vulnerabilities and market volatility.

What are the fees for using Liquidium?

Liquidium charges competitive interest rates that are determined by supply and demand in each liquidity pool. Borrowers pay interest to lenders, and there is a small protocol fee. There are no hidden fees, and all rates are transparent and visible before you make any transaction.

How do I borrow crypto on Liquidium?

Liquidium currently has pools for BTC, ETH, ICP, USDC, and USDT. To borrow: 1) Connect your wallet and supply a supported collateral asset, or use Simple Loan for an address-based flow. 2) Choose an available borrow asset shown in the app. 3) Review the interest rate, LTV, portfolio health, and destination, then confirm the transaction. Loans have no expiry date—repay whenever you want, as long as your position stays healthy.

How do I earn yield by lending on Liquidium?

To earn yield as a lender: 1) Connect your wallet and select an available pool shown in the app. Liquidium currently supports BTC, ETH, ICP, USDC, and USDT pools. 2) Supply the selected asset. 3) Start earning yield immediately. Your earnings are auto-compounded every second—no need to manually claim or restake. There is no fixed lock-up period, although withdrawals remain subject to available pool liquidity and your portfolio health.

What happens if my collateral value drops?

If your collateral value drops and your loan-to-value ratio exceeds the liquidation threshold, your position may be partially or fully liquidated to repay the debt. To avoid liquidation, you can add more collateral or repay part of your loan. We recommend maintaining a healthy buffer above the minimum collateral ratio and monitoring your positions regularly.

Do I need to bridge my assets to use Liquidium?

No, you do not need to bridge your assets. Your assets stay on their native blockchain while you access liquidity on other chains through Chain Fusion (chain-key technology). This reduces bridge complexity, lowers risk versus centralized bridges, and simplifies the user experience.

What makes Liquidium different from other lending protocols?

Liquidium is unique because it offers true cross-chain lending without centralized bridges or wrapping. Most DeFi lending protocols operate on a single chain, requiring users to bridge assets (which introduces risk and complexity). Liquidium already lets you use Bitcoin collateral to borrow USDT on Ethereum, with more chains and assets coming soon, all through a unified, decentralized protocol.

Liquidium Official Website | Native BTC-Backed Loans

Features

Supply Bitcoin.
Borrow stablecoins.
Keep the upside.

Earn native yield.
Auto-compounded.

Native assets in.
Native assets out.

Trust code,
not custodians.
Fully decentralized.

Loans with no expiry.
One account for
any wallet and chain.

What Can You Do With Liquidium?

Earn passive yield

Supply BTC, ETH, or ICP today to earn competitive interest rates, with Solana support coming soon.

Unlock liquidity without selling

Borrow USDT on Ethereum against your Bitcoin collateral, with additional assets subject to availability and jurisdiction.

Tax-Efficient asset acquisition

Purchase new assets using borrowed funds instead of selling your native holdings, avoiding taxable events while diversifying your portfolio.

Liquidium SDK

Bring Liquidium directly into your product.

Wallets, exchanges, and apps can ship native Bitcoin lending flows through one SDK integration. Explore the full product, docs, and implementation path from one place.

Explore SDK Read the Docs

What Leaders Are Saying

Liquidium is unlocking the next chapter of Bitcoin DeFi. As the largest and most trusted digital asset class, Bitcoin has long lacked native financial tools. By building on ICP's Chain Fusion technology, Liquidium makes it possible to lend and borrow Bitcoin directly—without centralized bridges or wrapping. This marks a major step toward bringing more real utility to Bitcoin and expanding its role in the broader world of decentralized finance.

Pierre Samaties

CBO - Dfinity

The Liquidium team has proven themselves as innovators in the Bitcoin space with their flagship non-custodial, peer-to-peer lending application. Their expansion to lending assets on other chains collateralized with native Bitcoin is a significant milestone as the continue to build the on-chain, Bitcoin-native financial system.

Tyler Evans

CEO - Nakamoto

I stack sats into Liquidium.WTF every month — it's become my go-to yield play on Bitcoin. It's not for everyone; you've gotta know the collateral you're lending against. But for those who do, the new omnichain lending product is just another automated way to stack even more sats on top of my sats. Real yield, real conviction, Bitcoin-first.

Farmer Joe

Founder - PUPS

Liquidium had quickly become the leading lending protocol for Bitcoin Ordinals, and we're thrilled to see the team extend their edge with the launch of an omnichain lending product. This next chapter positions Liquidium to become a core product enabling Bitcoin DeFi.

Lukas Wicher

Senior Associate - Asymmetric

Liquidium is one of the first breakout dapps in the Bitcoin DeFi world, allowing people to lend and borrow in a truly permissionless fashion. We're excited to see the team continue to crush it as Bitcoin DeFi grows in adoption.

Dan Held

CEO - Asymmetric

From Ordinals-backed DLC loans to cross-chain BTC-backed lending, Liquidium is leading the way in Bitcoin DeFi and reimagining what is possible on the mother chain.

Jakob Schillinger

CEO - Hermetica

Liquidium has been pushing the boundaries of Bitcoin DeFi since the beginning of Ordinals in 2023 — they're the OGs of Bitcoin DeFi

Jan Smejkal

CSO - Xverse

Lending Activity

Built by Bitcoin lending veterans

What Can You Do With Liquidium?

Bring Liquidium directly into your product.

Supply Bitcoin.
Borrow stablecoins.
Keep the upside.

Earn native yield.
Auto-compounded.

Native assets in.
Native assets out.

Trust code,
not custodians.
Fully decentralized.

Loans with no expiry.
One account for
any wallet and chain.

Lending Activity

Built by Bitcoin lending veterans

Cross-Chain,
Without Compromise.

What Can You Do With Liquidium?

Bring Liquidium directly into your product.

What Leaders Are Saying

FAQs

Open App.Get Started.

Cross-Chain,
Without Compromise.

Supply Bitcoin.
Borrow stablecoins.
Keep the upside.

Earn native yield.
Auto-compounded.

Native assets in.
Native assets out.

Trust code,
not custodians.
Fully decentralized.

Loans with no expiry.
One account for
any wallet and chain.

What Leaders Are Saying

NativeCross-ChainCross-ChainLoans.

Lending Activity

Built by Bitcoin lending veterans

What Can You Do With Liquidium?

Bring Liquidium directly into your product.

NativeCross-ChainCross-ChainLoans.

Features

Supply Bitcoin.Borrow stablecoins.Keep the upside.

Earn native yield.Auto-compounded.

Native assets in.Native assets out.

Trust code,not custodians.Fully decentralized.

Loans with no expiry.One account forany wallet and chain.

Lending Activity

Built by Bitcoin lending veterans

Cross-Chain,Without Compromise.

What Can You Do With Liquidium?

Bring Liquidium directly into your product.

What Leaders Are Saying

FAQs

Open App.Get Started.

Cross-Chain,Without Compromise.

Features

Supply Bitcoin.Borrow stablecoins.Keep the upside.

Earn native yield.Auto-compounded.

Native assets in.Native assets out.

Trust code,not custodians.Fully decentralized.

Loans with no expiry.One account forany wallet and chain.

What Leaders Are Saying

Supply Bitcoin.
Borrow stablecoins.
Keep the upside.

Earn native yield.
Auto-compounded.

Native assets in.
Native assets out.

Trust code,
not custodians.
Fully decentralized.

Loans with no expiry.
One account for
any wallet and chain.

Cross-Chain,
Without Compromise.

Cross-Chain,
Without Compromise.

Supply Bitcoin.
Borrow stablecoins.
Keep the upside.

Earn native yield.
Auto-compounded.

Native assets in.
Native assets out.

Trust code,
not custodians.
Fully decentralized.

Loans with no expiry.
One account for
any wallet and chain.