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Wrapped Bitcoin logo

Wrapped Bitcoin (WBTC) Loan Rates From 0% APR

Get a WBTC-backed loan from 0% APR instead of selling. Compare 7 lending platforms.

Last updated: January 12, 2026|Advertising disclosure

Calculate WBTC Repayment

NexoSponsored
Borrow Against Your Crypto with Nexo
  • Rates as low as 5.9% APR.
  • Instant approval and funding.
  • No sell-off of your crypto assets.

Newly Added Coins to Borrow

USDT0 logo
USDT0 (usdt0)
USDtb logo
USDtb (usdtb)
Ideal Opportunities logo
Ideal Opportunities (IO)
MatrixGPT logo
MatrixGPT (MAI)
Wild Coin logo
Wild Coin (WLD)
Aave

0.01% WBTC

Supported Lending Platforms

Aave logo
Aave
Compound logo
Compound

Similar Coins to Borrow

Bitcoin logo
Bitcoin (BTC)
XRP logo
XRP (XRP)
Dogecoin logo
Dogecoin (DOGE)
FYDcoin logo
FYDcoin (FYD)
Stellar logo
Stellar (XLM)

Frequently Asked Questions About Wrapped Bitcoin (WBTC) Loans

What is Wrapped Bitcoin (wBTC) and how does it work on the Ethereum network?
Wrapped Bitcoin (wBTC) is an ERC-20 token that represents Bitcoin (BTC) on the Ethereum blockchain. Each wBTC is backed by a real BTC held in reserve by a trusted custodian. The wrapping process involves a user locking BTC in a custodian’s vault, after which an equivalent amount of wBTC is minted on Ethereum. Conversely, burning wBTC tokens releases the underlying BTC. This setup enables BTC holders to participate in Ethereum-based decentralized finance (DeFi) apps, such as lending, borrowing, or trading on decentralized exchanges, using the familiar BTC value while taking advantage of Ethereum’s smart contracts and liquidity pools.
What are the main risks and considerations when using wBTC in DeFi, and how can I mitigate them?
Key risks include custodial risk (the safety of the BTC held in reserve), smart contract risk (bugs or exploits in the wrapping/unwrapping or DeFi protocols), liquidity risk (slippage or low liquidity on some platforms), and regulatory risk in certain jurisdictions. To mitigate these: use well-audited platforms with transparent reserve audits, prefer reputable custodians and multi-signature setups, diversify across multiple exchanges or protocols to avoid single points of failure, and stay updated on security advisories. Also understand that fees apply for wrapping/unwrapping and for any on-chain interactions, and always verify the token contract address to avoid fake versions.
How can I convert BTC to wBTC and back, and what fees should I expect in typical scenarios?
To convert BTC to wBTC, you typically use a service or exchange that supports the wrapping process. You deposit BTC with the custodian, and they mint an equivalent amount of wBTC on Ethereum, which is then deposited to your wallet. To unwrap, you initiate a burn of wBTC, and the custodian releases the corresponding BTC back to you. Fees vary by service but commonly include a small minting/burning fee and network/gas fees for on-chain transfers. On-ramps with higher liquidity and lower spreads usually offer better rates. Always check the current fees on the specific platform you’re using, confirm the exact wBTC contract address, and ensure you’re interacting with trusted, audited services to minimize costs and counterparty risk.

Compare Wrapped Bitcoin (WBTC) Loan Rates

PlatformCoinInterest rate
AaveWrapped Bitcoin (WBTC)From 0% APR
CompoundWrapped Bitcoin (WBTC)From 1% APR

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