Make Your Bitcoin Work For You

Self-repaying loans on Bitcoin. Deposit BTC, borrow stablecoins, earn yield that automatically pays down your debt. Zero interest. Zero liquidations.

Interest Rate

Liquidations

None

Average APR

12.5%

Built for Bitcoin Holders

Unlock liquidity from your BTC without selling. Keep your exposure, get instant cash.

Self-Repaying Loans

Your collateral generates yield that automatically pays down your debt. No manual payments ever needed.

Zero Liquidation Risk

Unlike traditional DeFi loans, you can never be liquidated. Your Bitcoin stays safe regardless of market conditions.

Dual Yield Sources

Earn from trading fees on BTC collateral. Activate Turbo mode for 2x yield opportunities from dual liquidity pools.

Instant Borrowing

Borrow up to 50% of your collateral value instantly. No credit checks, no approval delays.

Non-Custodial Security

You maintain full control. Smart contracts on Mezo L2 handle everything trustlessly and transparently.

Built on Bitcoin L2

Simple Process

How Stratum Fi Works

Four simple steps to unlock Bitcoin liquidity without selling your position.

Deposit Bitcoin

Connect your wallet and deposit BTC. Your collateral enters the MUSD/BTC liquidity pool on Mezo.

No minimums • Withdraw anytime

Borrow bMUSD

Borrow up to 50% LTV in bMUSD stablecoins. Zero interest rate because your yield covers everything.

0% interest • Instant access

Earn Trading Fees

Your BTC earns ~12.5% APR from DEX trading fees. These yields automatically reduce your debt over time.

Passive income • Auto-repayment

Debt-Free Profit

After 90-180 days, debt is fully repaid. Continue earning or withdraw your BTC plus accumulated profits.

Keep profits • Repeat anytime

Watch Your Debt Disappear

Example: $1,000 borrowed with $2,000 BTC collateral at 12.5% APR

$1,000

Initial Debt (Day 0)

~120 days of yield accumulation

Debt Remaining (Day 120)

Your collateral keeps earning after repayment!

Technology

Powered by Mezo Bitcoin L2

Stratum Fi leverages Mezo, a Bitcoin Layer 2 designed for DeFi. Inherit Bitcoin's security while accessing programmable yield strategies and trustless smart contracts.

Audited smart contracts with transparent on-chain logic
Real-time oracle pricing via Pyth Network integration
Automated yield harvesting and debt management

View on Explorer Start using Stratum

Live Protocol Stats

Total BTC Locked

48.15 BTC

Total Debt Outstanding

$48,152 bMUSD

Network

Mezo Testnet

Chain ID: 31611

Live

Frequently Asked Questions

Everything you need to know about self-repaying Bitcoin loans.

What happens if my collateral value drops?

Unlike traditional DeFi, Stratum Fi has zero liquidation risk. Your position remains safe regardless of BTC price movements. Your yield continues to pay down debt automatically.

How do I repay my loan?

You don't have to! The yield generated from your BTC collateral automatically pays down your debt over time. You can also manually repay anytime if you choose.

What is Turbo Mode?

Turbo Mode lets you leverage your borrowed bMUSD by pairing it with MUSD in a secondary liquidity pool. This generates additional yield from trading fees, accelerating your debt repayment.

Can I withdraw my BTC before debt is repaid?

Yes! You can withdraw your BTC at any time by repaying your outstanding bMUSD debt. The protocol is fully flexible and non-custodial.