> For the complete documentation index, see [llms.txt](https://docs.satsterminal.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.satsterminal.com/borrow/using-your-loan/using-borrowed-stablecoins.md).

# Using Borrowed Stablecoins

How to effectively manage, spend, and off-ramp the stablecoins borrowed through Borrow.

#### Immediate Access

* Once your USDC loan is delivered to your **Privy wallet**, you have **full control** over the funds.
* Funds are available instantly for **holding, trading, or sending** to any compatible wallet.

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#### Spending & Transfers

* Send USDC to friends, merchants, or other wallets with **low transaction fees**.
* Use stablecoins for online purchases, crypto trading, or DeFi investments.
* All transactions remain **fully self-custodial**, giving you peace of mind.

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#### Off-Ramping to Fiat

* Easily convert USDC to fiat.
* Off-ramping is **secure and fast**, with funds reaching your bank or card in a few minutes.

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#### Future Features

* In-app **investing**, **swaps**, and **yield vaults** for USDC and other supported assets.
* Options to **automate payments or portfolio allocation** directly from your borrowed funds.
* Borrowed stablecoins can act as a **leveraged position** for additional yield strategies.

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#### Summary

Borrowed stablecoins are designed for **flexibility, speed, and full user control**, letting you maximize the utility of your Bitcoin-backed loan without sacrificing security.