No LTV Liquidations
Liquidium.WTF does not use Loan-to-Value (LTV) based liquidations. The loan status depends on repayment within the set duration. If the loan is not repaid, it defaults and the lender can claim the collateral.
Max Offer Amount
The maximum amount you can offer as a lender is tied to the floor price of the corresponding collection. This means you can't lend more than the lowest-valued Ordinal in that collection. The floor price information is from Satflow.
Note: If the floor price falls below the lender's offer amount, the lender will be notified.
What’s APY and how do I calculate it?
APY (Annual Percentage Yield) is the interest rate applied annually to a loan, including compound interest, showing the effective annual interest rate.
Who pays transaction fees?
Transaction fees are paid by the one broadcasting the transaction. Here are the possibilities:
Lender starts a loan → Borrower pays fees.
Borrower repays loan → Borrower pays fees.
Borrower claims ordinal (after repayment) → Borrower pays fees.
Lender claims ordinal (once loan ends without repayment) → Lender pays fees.
Does Liquidium.WTF charge fees?
Instant loans and BNPL charge an activation fee equal to the greater of 0.75% of the principal or 1,000 sats. On successfully repaid loans, Liquidium’s base platform fee is 30% of the interest when the calculated fee before discounts is 2,000 sats or more. Below 2,000 sats, the platform fee is zero. Eligible LIQ and sLIQ holdings may reduce this fee. Bitcoin network fees are separate. No platform fee is collected when a loan defaults.
Loan duration and borrowing cost rate / yield
Liquidium.WTF determines the duration and borrowing cost rate based on historical loan data, floor price volatility, trading volume, loan volume, and more. Terms are established for each collection individually, and you can find the current terms on Liquidium's website.
Is the team behind Liquidium.WTF public?
Yes, the lLiquidium.WTF team is public. You can find everyone on LinkedIn with their real names. There's Robin (CEO), Julian (CMO), Pete (CTO), Luke (Head of Product Architecture), Sam (Lead Back End Dev), Bogdan (Lead Bitcoin Dev), Dylan (Full Stack Dev and Jonathan Creasey (Senior Marketing Manager).
What technology does Liquidium.WTF use?
Liquidium.WTF uses PSBTs (Partially Signed Bitcoin Transactions) and DLCs (Discreet Log Contracts) for the lending process.
How long do transactions take on Liquidium.WTF?
Transactions typically take a minimum of 10 minutes and can last a few hours.
Delays may occur due to spikes in mempool fees.
What is the minimum loan size I can do?
Minimum loan amounts depend on the collateral. The current minimum is 0.0004 BTC for Ordinals and 0.0005 BTC for Runes. The instant Runes lending form currently requires a minimum of 0.00055 BTC. The amount shown in the app is authoritative if these limits change.
What collections can I find on Liquidium.WTF?
Liquidium.WTFfeatures a diverse range of collections, sourced from Satflow’s API. To explore the current available collections, visit the website here.
If you have a collection to suggest, please use the chat widget and select "Collection Listing Request".
Does Liquidium.WTF use unconfirmed TXs?
Liquidium normally requires enough spendable BTC. Eligible unconfirmed BTC produced by 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 available.