> 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/products-overview/borrow-by-sats-terminal.md).

# Borrow by Sats Terminal

Borrow is a cross-chain loans aggregator that lets users borrow stablecoins using Bitcoin as collateral at the best available rate

Instead of manually checking Aave, Morpho, or centralized desks, Borrow automatically compares the entire market and executes the loan through the optimal route - **fully non-custodially**, using only the user’s Bitcoin wallet.

<figure><img src="https://3857882386-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FGHAxeQjLMUVC9FELVFyw%2Fuploads%2FPUmoLfXmU8rdqL2K3SE1%2FSlide%2016_9%20-%208.png?alt=media&amp;token=cf6df3f7-cd20-4cdd-9705-52ab543c83ab" alt=""><figcaption></figcaption></figure>

## Core Value Proposition

{% stepper %}
{% step %}
**Borrow stablecoins using BTC as collateral**
{% endstep %}

{% step %}
**Best available rates** across multiple decentralized lending protocols
{% endstep %}

{% step %}
**No KYC** - login with email&#x20;
{% endstep %}

{% step %}
**Self-custody** powered by Privy
{% endstep %}

{% step %}
**Automated bridging, wrapping, and protocol execution**
{% endstep %}

{% step %}
**20–30 minute** to get end-to-end loan&#x20;
{% endstep %}
{% endstepper %}