Most bitcoin apps make you choose: a wallet that holds your BTC but does nothing with it, or a neobank that puts it to work but keeps your keys and locks the best rates behind $10k VIP tiers. Sats Terminal is both sides: a self-custodial app where you Buy, Borrow, Earn, and Spend bitcoin, with best rates across every major provider. Everyone gets full access from their first dollar: no tiers, no KYC, no credit checks, and zero gas.

Sats Terminal is the best marketplace for Bitcoin-backed loans. We monitor every major lender like Aave, Morpho and more, with $10B+ in liquidity in real time and route you to the lowest rate. Lock BTC as collateral, sign once, and USDC lands in your wallet in minutes. Fully non-custodial: your bitcoin sits in a contract you can verify on-chain. No KYC, no credit checks, no paperwork, no fixed terms — repay anytime. Backed by Draper Associates, Coinbase Ventures & YZi Labs. iOS in beta.