FAQ & Support

Does Liquidium.WTF use LTV-based liquidations?

No. Liquidium.WTF loans do not use price-based Loan-to-Value liquidations. Each loan has a repayment deadline. If the borrower does not repay before that deadline, the loan defaults and the lender becomes eligible to claim the collateral. See Loan Mechanics & Risks.

What is the maximum lender offer amount?

The maximum offer amount is tied to the floor price of the corresponding collection using Satflow data. The live amount shown in Liquidium.WTF is authoritative. If the floor price falls below an existing offer amount, the lender is notified.

What is APY and how is it calculated?

APY means Annual Percentage Yield. It expresses a yield as an annual rate and includes the effect of compounding. For the calculations used in Liquidium.WTF loan displays, see Interest Calculations.

Who pays Bitcoin transaction fees?

The party broadcasting the relevant transaction pays its Bitcoin network fee:

• Starting a loan: the borrower pays.
• Repaying a loan: the borrower pays.
• Borrower claiming collateral after repayment: the borrower pays.
• Lender claiming collateral after default: the lender pays.

Network fees vary with transaction size and demand. See Transaction Time & Fees.

Does Liquidium.WTF charge platform fees?

Instant loans and Buy Now, Pay Later charge an activation fee equal to the greater of 0.75% of the principal or 1,000 sats. For successfully repaid loans, the base platform fee is 30% of interest when the calculated fee before discounts is at least 2,000 sats. Below 2,000 sats, the platform fee is zero. Eligible LIQ and sLIQ holdings may reduce this fee. Bitcoin network fees are separate, and no platform fee is collected when a loan defaults.

See $LIQ Discounts & Bonuses for the published tiers and eligibility rules.

How are loan duration and borrowing rates determined?

Terms are established for each collection using factors such as historical loan data, floor-price volatility, trading volume, and loan volume. Always use the duration, principal, interest, and repayment amount shown in the live offer before signing.

Is the Liquidium team public?

Yes. Current company and team information is available on the Liquidium company page.

What technology does Liquidium.WTF use?

Bitcoin loans use Partially Signed Bitcoin Transactions (PSBTs), Discreet Log Contracts (DLCs), multisignature escrow, and timelocks. See Loan Mechanics & Risks and Verify a PSBT Before Signing.

How long do Bitcoin transactions take?

Bitcoin produces a block approximately every ten minutes on average, but a transaction may take longer to confirm when its fee rate is low relative to network demand. See Transaction Time & Fees.

What is the minimum loan size?

Minimum amounts depend on the collateral and loan type. The currently documented minimum is 0.0004 BTC for Ordinals and 0.0005 BTC for Runes; the Instant Runes lending form currently requires 0.00055 BTC. The amount shown in the live app is authoritative if these limits change.

Which collections are supported?

Supported collections are shown in the Liquidium.WTF app. To propose another collection, follow Request a Collection Listing.

Can Liquidium.WTF use unconfirmed BTC?

Liquidium normally requires enough spendable BTC. Eligible unconfirmed BTC produced and tracked through Liquidium transactions may be usable for supported back-to-back actions, including repayment. Unrelated external pending deposits may still need to confirm. If a pending transaction is not available, wait for confirmation or use the in-app CPFP action when offered.