Lend BTC against Runes with Instant vaults
Fund a BTC vault, choose your Runes collateral, and set your lending terms on Liquidium.WTF. Borrowers can accept funded offers without waiting for you to countersign each loan.
This guide covers lender vaults, offers, and repayments. To borrow against your own Runes, use the borrower guide.
How to borrow BTC against Runes
How Do Instant Loans Work? The Concept
Lenders fund a personal 1-of-2 Bitcoin vault. The lender controls one signing key and the ICP signing system controls the other. Lenders set the BTC amount, interest, duration, and LTV settings for their offers.
Borrowers choose eligible Runes and review available offers. The ICP signing system activates accepted Instant loans without a manual lender countersignature. Repayment returns BTC to the lender’s vault and releases collateral to the borrower; on default, the lender can claim the collateral.
How borrowers use your offers
Borrowers select eligible Runes, review the available BTC amount and terms, and sign to accept a funded offer. They repay by the agreed deadline to reclaim their collateral.
Borrowing against Runes, step by step
Set up your Instant lending vault
Connect to Liquidium.WTF with Xverse, UniSat, Leather, OKX, or Wizz Wallet, then select the Bitcoin market.
Open Lend, select Runes, and choose Instant. Create a BTC vault and save the vault public key shown during setup. Fund the vault, then choose a Rune market and configure the BTC amount, interest, duration, and LTV settings for your offer.
Review and sign the requested transactions in your wallet. Borrowers can accept funded offers without a separate lender countersignature. Track active loans and repayments in Portfolio.
Repayment returns BTC principal and interest after fees. If a borrower defaults, you can claim the pledged Runes.
Read the vault and signing model
Instant and Manual lending
With Instant lending, you fund a BTC vault and set your offers. The signing system activates accepted loans without a separate countersignature from you. Borrowers can fill part of a funded offer.
With Manual lending, you create an offer and countersign when a borrower accepts it. Choose the mode that suits how you want to manage your offers.
Review the quote for interest, activation fees, and network fees before signing. Track loan activity in Portfolio.
Understanding the Technology & Security
Liquidium.WTF uses 1-of-2 lender vaults for Instant liquidity and an ICP signing system for loan activation. Save your vault public key during setup and follow the official vault documentation for access and recovery.
Furthermore, On-Chain Verification through native ICP Rune Indexers (from Omnity Network) ensures transparency for collateral and loan values. Reliable Pricing data for LTV calculations is sourced from reputable oracle builders like Chainsight, which aggregate multiple endpoints for accuracy. Importantly, Liquidium.WTF provides Abstraction, handling the technical complexities so users don't need direct ICP interaction.
Fees and LIQ benefits
The repayment fee is 30% of loan interest before LIQ or sLIQ benefits. Liquidium.WTF collects it only when the calculated fee before discounts is at least 2,000 sats. Eligible token holdings can reduce the borrower’s fee or increase the lender’s share of interest.
Review the loan quote for any activation fee and Bitcoin network fees. Network fees also apply to vault deposits and withdrawals.
See fee tiers and lender bonuses
Choosing Instant lending
Use Instant lending when you want funded offers that borrowers can accept while you are offline. Choose the Rune collateral and loan terms you want, then monitor your loans and vault balance in Portfolio.
Instant lending beyond Runes
Liquidium.WTF also supports Instant loans against selected Ordinals. Choose Ordinals or Runes in the Bitcoin market to explore collateral and available offers.
Get Started with Instant Loans Today!
Put your BTC to work against Runes on Liquidium.WTF. Create a vault, fund it, and set the terms borrowers can accept.
Connect your wallet and open the Bitcoin Lend market to set up your Instant offers.
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