Liquidium.Fi vs. Liquidium.WTF: What’s the Difference?

Liquidium runs two lending apps: Liquidium.WTF and Liquidium.Fi. They share a team and a history, but they are separate products with separate loans and positions. This guide explains how they differ and which one to use.

TL;DR

• Liquidium.WTF (app.liquidium.wtf) offers fixed-term peer-to-peer loans. Borrow or lend BTC against Ordinals and Runes on Bitcoin, or borrow and lend against supported NFTs on Ethereum and Robinhood Chain.
• Liquidium.Fi (app.liquidium.fi) is pooled cross-chain lending. Supply and borrow assets such as BTC, ETH, USDC, USDT, and ICP at variable rates.
• Loans and positions on one app never appear on the other.

Where the Two Names Come From

Liquidium’s peer-to-peer lending app for Ordinals and Runes originally ran at liquidium.fi. In May 2025 it was renamed Liquidium.WTF and moved to liquidium.wtf, with the same product, team, loans, and points. The Liquidium name and liquidium.fi went to a new cross-chain lending product introduced at Bitcoin 2025 in Las Vegas.

That is why some older guides and posts still mention liquidium.fi for Ordinals loans. Old app.liquidium.fi links for borrowing and lending, such as /borrow and /lend, now open Liquidium.WTF.

Liquidium.WTF: Fixed-Term P2P Loans

• Collateral: Ordinals and Runes on Bitcoin, and supported NFTs on Ethereum and Robinhood Chain.
• Terms: the borrower accepts a lender’s offer with a fixed amount, interest, and duration.
• No price-based liquidations: if the borrower does not repay before the deadline, the lender can claim the collateral.
• Settlement: Bitcoin loans settle in BTC. Ethereum loans settle in WETH. Robinhood Chain loans settle in WETH.

Liquidium.Fi: Pooled Cross-Chain Lending

• Suppliers deposit assets such as BTC, ETH, USDC, USDT, and ICP into shared pools and earn interest.
• Borrowers borrow from those pools against the assets they supply, at variable rates that move with pool utilization.
• Each position has a health factor. A position with a health factor below 1.0 can be liquidated.

Which One Should I Use?

• Use Liquidium.WTF to borrow against Ordinals, Runes, or NFTs, or to lend against them for a fixed return.
• Use Liquidium.Fi to supply or borrow BTC, ETH, stablecoins, or ICP in pooled markets.

FAQ: Liquidium.Fi vs. Liquidium.WTF

Is Liquidium.WTF legit?

Yes. Liquidium.WTF is Liquidium’s official peer-to-peer lending app, run by the team that built the original app at liquidium.fi. Use only app.liquidium.wtf and links from liquidium.wtf.

Why can’t I see my loan?

Each app has its own loans and positions. A Liquidium.WTF loan only appears on Liquidium.WTF, and a Liquidium.Fi position only appears on Liquidium.Fi. The Liquidium.WTF FAQ has more help.

Where do I get help?

For Liquidium.WTF, see the Liquidium.WTF docs or select Support in the app. For Liquidium.Fi, see the Liquidium.Fi docs.