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What is SatsTerminal Borrow?

  • Borrow stablecoins against BTC while keeping custody.
  • Smart accounts (ERC-4337) derived from your Bitcoin wallet signature, no ETH gas needed.
  • Multi-chain: Arbitrum, Base, Ethereum (more chains are added without app changes).
  • Full lifecycle: open loans, manage collateral, repay, withdraw, and track portfolio positions.

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Key features

CapabilityDetails
Multi-chainArbitrum, Base, Ethereum
Gasless UXSponsored transactions through the derived smart account
Deterministic addressesSame BTC wallet ⇒ same smart account per chain
Workflow callbacksStatus hooks for UI updates during long-running flows

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How it works

  1. Connect – user signs a message with their Bitcoin wallet.
  2. Derive – SDK creates a smart account (ERC-4337) from that signature.
  3. Authorize – session scopes what the account can do.
  4. Borrow/manage – deposit BTC, borrow stablecoins, repay, withdraw, rebalance collateral.
await sdk.getLoan({
  collateralBTC: 0.1,
  loanAmountUSD: 5000,
  onStatusUpdate: (s) => console.log(s.label),
  onDepositReady: (info) => console.log(`Send ${info.amountBTC} BTC to ${info.address}`),
  onComplete: () => console.log("Loan complete"),
});

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Next steps

  • Installation & config: borrow/installation
  • Quickstart: borrow/quickstart
  • Core concepts: borrow/core-concepts
  • API reference: borrow/api
  • Troubleshooting: borrow/troubleshooting