#  @Zone21BTC Zone21 Zone21 posts on X about libre, coinbase, strike, binance the most. They currently have [---] followers and [--] posts still getting attention that total [--] engagements in the last [--] hours. ### Engagements: [--] [#](/creator/twitter::1921484290812231680/interactions)  - [--] Week [---] +794% - [--] Month [---] -12% - [--] Months [------] -74% ### Mentions: [--] [#](/creator/twitter::1921484290812231680/posts_active)  - [--] Week [--] +29% - [--] Month [--] -9.50% - [--] Months [--] +22% ### Followers: [---] [#](/creator/twitter::1921484290812231680/followers)  - [--] Month [---] +0.76% - [--] Months [---] +76% ### CreatorRank: undefined [#](/creator/twitter::1921484290812231680/influencer_rank)  ### Social Influence **Social category influence** [cryptocurrencies](/list/cryptocurrencies) [technology brands](/list/technology-brands) [exchanges](/list/exchanges) [stocks](/list/stocks) [finance](/list/finance) [automotive brands](/list/automotive-brands) **Social topic influence** [libre](/topic/libre) #1496, [coinbase](/topic/coinbase) #3211, [strike](/topic/strike), [binance](/topic/binance) #3412, [$salt lend](/topic/$salt-lend) #8, [salt](/topic/salt), [arch](/topic/arch) #224, [bitcoin](/topic/bitcoin), [max](/topic/max), [hidden](/topic/hidden) **Top accounts mentioned or mentioned by** [@willywoo](/creator/undefined) [@2dogs1chic](/creator/undefined) [@krowncryptocave](/creator/undefined) [@nunchukio](/creator/undefined) [@lightcoin](/creator/undefined) [@sovrynbtc](/creator/undefined) [@lynaldencontact](/creator/undefined) [@checkmatey](/creator/undefined) [@prestonpysh](/creator/undefined) [@intangiblecoins](/creator/undefined) [@briantrollz](/creator/undefined) [@adam3us](/creator/undefined) [@niccarter](/creator/undefined) [@btcsessions](/creator/undefined) [@paoloardoino](/creator/undefined) [@cryptonomista](/creator/undefined) [@keidunm](/creator/undefined) [@bergealex4](/creator/undefined) [@arkadeos](/creator/undefined) [@glxyresearch](/creator/undefined) **Top assets mentioned** [Coinbase Global Inc. (COIN)](/topic/coinbase) [SALT (SALT)](/topic/$salt-lend) [Bitcoin (BTC)](/topic/bitcoin) [USDC (USDC)](/topic/usdc) [Ethereum (ETH)](/topic/ethereum) ### Top Social Posts Top posts by engagements in the last [--] hours "@lightcoin @SovrynBTC 👀" [X Link](https://x.com/anyuser/status/1939741912493445269) 2025-06-30T17:44Z [---] followers, [---] engagements "Nexo BTC-backed loan now on Zone21. Risk score [--] (High). Discontinued proof-of-reserves unrestricted rehypothecation pooled custody without bankruptcy-remote segregation and an opaque in-house oracle are major concerns. Full report: https://www.zone21.com/provider/nexo https://www.zone21.com/provider/nexo" [X Link](https://x.com/anyuser/status/1940815699137778044) 2025-07-03T16:51Z [---] followers, [----] engagements "Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and rate existing lenders with our 13-Factor Risk Model. The report also covers new rules from the GENIUS Act to Hong Kongs VASP regime and offers a one-page borrower checklist" [X Link](https://x.com/anyuser/status/1943326899893342498) 2025-07-10T15:10Z [---] followers, 71.4K engagements "Special thanks to @LynAldenContact and @willywoo for their review. Read the executive summary or download the full PDF cc @_Checkmatey_ @PrestonPysh @intangiblecoins @brian_trollz @adam3us @nic_carter @BTCsessions @paoloardoino @cryptonomista @keidunm @bergealex4 @arkade_os @glxyresearch @tether @USDC @BitcoinMagazine https://www.zone21.com/reports/bitcoin-backed-lending-2025 https://www.zone21.com/reports/bitcoin-backed-lending-2025" [X Link](https://x.com/anyuser/status/1943327699810087138) 2025-07-10T15:13Z [---] followers, [----] engagements "Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain. Thread 👇" [X Link](https://x.com/anyuser/status/1948415633596813814) 2025-07-24T16:11Z [---] followers, [----] engagements "Libre's validator dashboard (24 Jul [----] 212k votes) shows serious centralization risks: Top-2 validators control [--] % stake Top-5 control [--] % Most validators are Libre or EOS-affiliated unlicensed private entities" [X Link](https://x.com/anyuser/status/1948416263736414556) 2025-07-24T16:13Z [---] followers, [---] engagements "To enhance transparency Zone21 now includes timestamped Evidence snapshots for each risk factor making it easy to verify the data behind every score we publish" [X Link](https://x.com/anyuser/status/1948420023694799281) 2025-07-24T16:28Z [---] followers, [---] engagements "Libre's operational hygiene is poor: Hotstart (second largest validator) serves a blank nonHTTPS page EOS Sweden (#5) has announced shutdown QuantumBlok (#6) social links are dead. Also: A closed oracle and razorthin DEX liquidity magnify exit risk" [X Link](https://x.com/anyuser/status/1948420574352646591) 2025-07-24T16:30Z [---] followers, [---] engagements "Very informative video @KrownCryptoCave Loved the bits on taxes & refinancing. Few quick notes: Unchained no longer offers consumer loans. Business loans only. Ledn technically has no margin calls just warnings at 70% & 75%. No extra collateral is required unlike Strike/Unchained and other lenders. Automatic liquidation occurs at 80%. Both Strike & Ledn practice limited rehypothecation: collateral is pledged externally to a capital funding partner under a no further reuse clause. If the funding partner goes bankrupt or fails to honor the clause the failure can cascade back to the borrower." [X Link](https://x.com/anyuser/status/1948664141356696056) 2025-07-25T08:38Z [---] followers, [--] engagements "We were blocked by @2dogs1chic after commenting on her "Buy Borrow Die" strategy. Our comment simply highlighted the factual risks of using *variable-rate* Bitcoin-backed loans noting they can be dangerous in extreme market conditions. For example: On Aave borrow rates spiked from single digits to as high as 60-90% in 2022/2023. Just recently Coinbase borrow rates jumped from 5.1% to 8.4% in a few weeks. Blocking discussion doesn't change these facts. Bitcoin-backed loans can be a powerful tool but please understand the risks involved. Do your own research and let's encourage responsible" [X Link](https://x.com/anyuser/status/1952216460983730379) 2025-08-04T03:54Z [---] followers, [---] engagements "Need to borrow against your Bitcoin but unsure about the hidden risks Imagine instantly peeking under the hood of every Bitcoin-backed loan to understand exactly how risky it is. Now you can. Introducing Zone21. Bitcoin-backed lending exploded last bull cycle but unsafe practices caused tens of billions in losses (remember Celsius BlockFi Voyager). Now new lenders promise better practices like minimal rehypothecation and Proof-of-Reserves but many risks remain hidden and misunderstood. Bitcoin lending combines two intricate worlds: Bitcoin technology (multisig DLCs custody solutions) and" [X Link](https://x.com/anyuser/status/1937969858601185626) 2025-06-25T20:23Z [---] followers, 57.2K engagements "Binance Flexible Rate Loan is now on Zone21. Risk score [--] (Critical). Rehypothecation in-house custody self-attested PoR thin 13pp liquidation buffer data leak exposing 60k users [----] BTC hacked and a $4.3B DOJ fine highlight risk. Full report: https://www.zone21.com/provider/binance https://www.zone21.com/provider/binance" [X Link](https://x.com/anyuser/status/1942604060349325533) 2025-07-08T15:17Z [---] followers, [----] engagements "Arch Lending risk score update: [--] (from 49). Oracle moved [---] after disclosure of CoinMarketCap as the price feed. Full report below" [X Link](https://x.com/Zone21BTC/status/1981058668377625071) 2025-10-22T18:02Z [---] followers, [----] engagements "CMC aggregates multiple exchanges with outlier filters. Arch adds stale-price alerts and manual liquidation holds when LTVs look abnormal or prices go stale. Still single-source. Link to full report: https://www.zone21.com/provider/arch https://www.zone21.com/provider/arch" [X Link](https://x.com/Zone21BTC/status/1981059680723226730) 2025-10-22T18:06Z [---] followers, [---] engagements "Lava announced a $200M fund raise and a new Bitcoin Line of Credit (BLOC) product. However the thread below shows a painful real-time example of the #1 risk in Bitcoin lending: counterparty risk hidden behind a veil of "trustless" marketing. We are seeing several red flags from the @lava_xyz dispute: Users are alleging their collateral was moved to new addresses without their consent. The CEO admits the security model changed significantly moving away from DLCs. This fundamental change to the trust model was apparently not communicated to users. This situation is precisely why our security" [X Link](https://x.com/Zone21BTC/status/1986064534251942002) 2025-11-05T13:34Z [---] followers, 35.6K engagements "Our Bitcoin-Backed Lending [----] report covers everything you need to know about CeFi CeDeFi and True DeFi lending options. Including cost vs control trade-offs hidden risks and future outlook. Read the complete analysis here: https://www.zone21.com/reports/bitcoin-backed-lending-2025 https://www.zone21.com/reports/bitcoin-backed-lending-2025" [X Link](https://x.com/Zone21BTC/status/1986422981263040693) 2025-11-06T13:18Z [---] followers, [---] engagements "Fixed rates: Unchained 15.2% Debifi 14.221.5% (min 0.1pp) Ledn 12.4% Arch 12.5% (1.5pp) Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 1228.5% (max 0.6pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 2.5pp) Libre 320% CoinRabbit 17.419.4% Variable rates: Aave 5.2% (0.2pp) Nexo 18.9% Coinbase 7.4% (0.7pp) Binance 4.9% (1.6pp) https://twitter.com/i/web/status/1955307031562539140 https://twitter.com/i/web/status/1955307031562539140" [X Link](https://x.com/anyuser/status/1955307031562539140) 2025-08-12T16:34Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] Sep [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.520.5% (min 2.5pp max 1.0pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.525.5% (min 0.9pp) Lava 11.99% Firefish 6.516.5% Lendasat 10.526.5% (min 1.0pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.3% (0.2pp) Coinbase 7.3% Binance 5.7% (0.5pp) Nexo 18.9% As of 2025-09-23 13:45 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1970504892688277831 https://twitter.com/i/web/status/1970504892688277831" [X Link](https://x.com/Zone21BTC/status/1970504892688277831) 2025-09-23T15:05Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] Sep [----] 🔒 Fixed rates Unchained 15.2% Debifi 1121.5% (min 2.5pp max 1.0pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 10.425.5% (min 2.1pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 1.0pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.6% (0.7pp) Coinbase 7.5% (0.2pp) Binance 6.3% (0.6pp) Nexo 18.9% As of 2025-09-30 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1973025368413278545 https://twitter.com/i/web/status/1973025368413278545" [X Link](https://x.com/Zone21BTC/status/1973025368413278545) 2025-09-30T14:01Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] Oct [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% (min 2.5pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% (min 2.1pp max 2.0pp) Lava 11.99% Firefish 5.516.5% (min 1.0pp) Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.6% Coinbase 7.5% Binance 9.3% (3.0pp) Nexo 18.9% As of 2025-10-07 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points https://twitter.com/i/web/status/1975561768895201517 https://twitter.com/i/web/status/1975561768895201517" [X Link](https://x.com/Zone21BTC/status/1975561768895201517) 2025-10-07T14:00Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] Oct [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% Lava 11.99% Firefish 5.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.7% (0.1pp) Coinbase 7.5% Binance 5.9% (1.1pp) Nexo 18.9% As of 2025-10-21 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1980636300148633630 https://twitter.com/i/web/status/1980636300148633630" [X Link](https://x.com/Zone21BTC/status/1980636300148633630) 2025-10-21T14:04Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] Oct [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.528.5% (min 1.0pp max 5.0pp) Lava 11.99% Firefish 5.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.3% (0.4pp) Coinbase 7.5% Binance 6% (0.1pp) Nexo 18.9% As of 2025-10-28 15:30 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1983200495318741351 https://twitter.com/i/web/status/1983200495318741351" [X Link](https://x.com/Zone21BTC/status/1983200495318741351) 2025-10-28T15:53Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] November [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% (max 5.0pp) Lava 7% (4.99pp) Firefish 5.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.5% (0.2pp) Coinbase 7.5% Binance 5.2% (0.8pp) Nexo 18.9% As of 2025-11-04 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1985709616442052920 https://twitter.com/i/web/status/1985709616442052920" [X Link](https://x.com/Zone21BTC/status/1985709616442052920) 2025-11-04T14:03Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] December [----] 🔒 Fixed rates Unchained 14.18% Debifi 13.521.5% Ledn 11.9% (0.5pp) Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% Lava 7% Firefish 5.516.5% Lendasat 12.519.5% (min 0.5pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.8% Coinbase 6.3% (0.3pp) Binance 3.6% (0.1pp) Nexo 18.9% As of 2025-12-09 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1998411174669668844 https://twitter.com/i/web/status/1998411174669668844" [X Link](https://x.com/Zone21BTC/status/1998411174669668844) 2025-12-09T15:15Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] Aug [----] Unchained 15.2% Debifi 14.221.5% (min 0.1pp) Ledn 12.4% Arch 12.5% (1.5pp) Aave 5.2% (0.2pp) Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 1228.5% (max 0.6pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 2.5pp) Nexo 18.9% Coinbase 7.4% (0.7pp) Binance 4.9% (1.6pp) Libre 320% CoinRabbit 17.419.4% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1955290836985688221 https://twitter.com/i/web/status/1955290836985688221" [X Link](https://x.com/anyuser/status/1955290836985688221) 2025-08-12T15:30Z [---] followers, [----] engagements "📊 BTC borrow APRs: Week of [--] Aug [----] 🔒 Fixed rates Unchained 15.2% Debifi 1421.5% (min 0.2pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 13.528.5% (min 1.5pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% (0.9pp) Coinbase 7.4% Binance 4% (0.9pp) Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1957806697902403598 https://twitter.com/i/web/status/1957806697902403598" [X Link](https://x.com/anyuser/status/1957806697902403598) 2025-08-19T14:07Z [---] followers, [----] engagements "📊 BTC borrow APRs: Week of [--] Aug [----] 🔒 Fixed rates Unchained 15.2% Debifi 14.1521.5% (min 0.15pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 13.523.5% (max 5pp) Lava 11.99% Firefish 6.516.5% Lendasat 12.526.5% (min 1pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% Coinbase 7.4% Binance 4% Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1960343358972494200 https://twitter.com/i/web/status/1960343358972494200" [X Link](https://x.com/anyuser/status/1960343358972494200) 2025-08-26T14:07Z [---] followers, [----] engagements "📊 BTC borrow APRs: Week of [--] Sep [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% (min 0.65pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% (min 2pp) Lava 11.99% Firefish 6.516.5% Lendasat 12.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.7% (0.4pp) Coinbase 7.3% (0.1pp) Binance 4% Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1962881500837531770 https://twitter.com/i/web/status/1962881500837531770" [X Link](https://x.com/Zone21BTC/status/1962881500837531770) 2025-09-02T14:13Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] Sep [----] 🔒 Fixed rates Unchained 15.2% Debifi 11.4921.5% (min 2.01pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.925.5% (min 1.4pp max 2pp) Lava 11.99% Firefish 6.516.5% Lendasat 12.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% (0.4pp) Coinbase 7.3% Binance 4% Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1965415502450475071 https://twitter.com/i/web/status/1965415502450475071" [X Link](https://x.com/Zone21BTC/status/1965415502450475071) 2025-09-09T14:02Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] Sep [----] 🔒 Fixed rates Unchained 15.2% Debifi 1121.5% (min 0.49pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 13.425.5% (min 0.5pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 1pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% Coinbase 7.3% Binance 6.2% (2.2pp) Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1967951625517236304 https://twitter.com/i/web/status/1967951625517236304" [X Link](https://x.com/Zone21BTC/status/1967951625517236304) 2025-09-16T14:00Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] Oct [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% Lava 11.99% Firefish 5.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.6% Coinbase 7.5% Binance 4.8% (4.5pp) Nexo 18.9% As of 2025-10-14 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1978098496575049731 https://twitter.com/i/web/status/1978098496575049731" [X Link](https://x.com/Zone21BTC/status/1978098496575049731) 2025-10-14T14:00Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] November [----] 🔒 Fixed rates Unchained 14.18% (1.02pp) Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% Lava 7% Firefish 5.516.5% Lendasat 1226.5% (min 0.5pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.8% (0.3pp) Coinbase 7.5% Binance 5.2% Nexo 18.9% As of 2025-11-11 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1988250047658770622 https://twitter.com/i/web/status/1988250047658770622" [X Link](https://x.com/Zone21BTC/status/1988250047658770622) 2025-11-11T14:18Z [---] followers, [----] engagements "📊 BTC borrow APRs: Week of [--] November [----] 🔒 Fixed rates Unchained 14.18% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% Lava 7% Firefish 5.516.5% Lendasat 1219.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.5% Coinbase 7.5% Binance 5% Nexo 18.9% As of 2025-11-25 15:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1993334529365623045 https://twitter.com/i/web/status/1993334529365623045" [X Link](https://x.com/Zone21BTC/status/1993334529365623045) 2025-11-25T15:02Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] December [----] 🔒 Fixed rates Unchained 14.18% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% (min 1.0pp) Lava 7% Firefish 5.516.5% Lendasat 1219.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.8% (0.7pp) Coinbase 6.6% (0.9pp) Binance 3.7% (1.3pp) Nexo 18.9% As of 2025-12-03 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1996220524167565746 https://twitter.com/i/web/status/1996220524167565746" [X Link](https://x.com/Zone21BTC/status/1996220524167565746) 2025-12-03T14:10Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] December [----] 🔒 Fixed rates Unchained 14.18% Debifi 13.521.5% Ledn 11.9% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% Lava 7% Firefish 5.516.5% Lendasat 12.519.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.6% Coinbase 6.0% Binance 4.2% Nexo 18.9% As of 2025-12-24 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/2003838601432629551 https://twitter.com/i/web/status/2003838601432629551" [X Link](https://x.com/Zone21BTC/status/2003838601432629551) 2025-12-24T14:42Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] December [----] 🔒 Fixed rates Unchained 14.18% Debifi 13.521.5% Ledn 11.9% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% (min 1.0pp) Lava 7% Firefish 5.516.5% Lendasat 11.519.5% (min 1.0pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.6% Coinbase 6.0% Binance 6.1% (1.9pp) Nexo 18.9% As of 2025-12-30 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/2006021604434985207 https://twitter.com/i/web/status/2006021604434985207" [X Link](https://x.com/Zone21BTC/status/2006021604434985207) 2025-12-30T15:16Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] January [----] 🔒 Fixed rates Unchained 14.18% Debifi 9.521.5% (min 4.0pp) Ledn 11.9% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% Lava 7% Firefish 5.516.5% Lendasat 11.519.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.8% (0.2pp) Coinbase 5.3% (0.7pp) Binance 5.3% (0.8pp) Nexo 18.9% As of 2026-01-14 15:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/2011467066562449605 https://twitter.com/i/web/status/2011467066562449605" [X Link](https://x.com/Zone21BTC/status/2011467066562449605) 2026-01-14T15:54Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] January [----] 🔒 Fixed rates Unchained 14.18% Debifi 11.521.5% (min 2.0pp) Ledn 11.9% Arch 12.5% Salt Lending 9.9514.45% (min 1.0pp) Strike 10.514.0% HodlHodl 11.523.5% Lava 7% Firefish 5.516.5% Lendasat 11.519.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.6% (0.2pp) Coinbase 5.3% Binance 4.7% (0.6pp) Nexo 18.9% As of 2026-01-20 17:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/2013670591040205214 https://twitter.com/i/web/status/2013670591040205214" [X Link](https://x.com/Zone21BTC/status/2013670591040205214) 2026-01-20T17:50Z [---] followers, [---] engagements "📊 BTC borrow APRs: Week of [--] February [----] 🔒 Fixed rates Unchained 14.18% Debifi 9.5-21.5% Ledn 11.9% Arch 8.49-11.84% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% Lava 8.5-9.5%% Firefish 5.516.5% Lendasat 11.519.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 3.7% Coinbase 4.1% Binance 4.3% Nexo 18.9% As of 2026-02-10 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/2021239301724594254 https://twitter.com/i/web/status/2021239301724594254" [X Link](https://x.com/Zone21BTC/status/2021239301724594254) 2026-02-10T15:06Z [---] followers, [---] engagements "Need to borrow against your Bitcoin but unsure about the hidden risks Imagine instantly peeking under the hood of every Bitcoin-backed loan to understand exactly how risky it is. Now you can. Introducing Zone21. Bitcoin-backed lending exploded last bull cycle but unsafe practices caused tens of billions in losses (remember Celsius BlockFi Voyager). Now new lenders promise better practices like minimal rehypothecation and Proof-of-Reserves but many risks remain hidden and misunderstood. Bitcoin lending combines two intricate worlds: Bitcoin technology (multisig DLCs custody solutions) and" [X Link](https://x.com/anyuser/status/1937969858601185626) 2025-06-25T20:23Z [---] followers, 57.2K engagements "Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and rate existing lenders with our 13-Factor Risk Model. The report also covers new rules from the GENIUS Act to Hong Kongs VASP regime and offers a one-page borrower checklist" [X Link](https://x.com/anyuser/status/1943326899893342498) 2025-07-10T15:10Z [---] followers, 71.4K engagements "Zone21s Bitcoin-backed loan dataset is now open source 🎉 Any future changes to the risk scores and risk model can be viewed directly on GitHub. Feedback & contributions welcome https://github.com/Zone21BTC/btc-loans https://github.com/Zone21BTC/btc-loans" [X Link](https://x.com/anyuser/status/1950197014706425962) 2025-07-29T14:09Z [---] followers, [----] engagements "@2dogs1chic Did you know that borrow rates jumped from single digits to 60% in [----] on Aave wiping out many borrowers Variable rate loans can be very dangerous in extreme market conditions. And theyre by far not the only risk. Thinking about borrowing against your Bitcoin Make sure you read our Borrower Checklist first. https://t.co/wa7c87ZTvi Thinking about borrowing against your Bitcoin Make sure you read our Borrower Checklist first. https://t.co/wa7c87ZTvi" [X Link](https://x.com/anyuser/status/1951800261090877692) 2025-08-03T00:20Z [---] followers, [----] engagements "Thinking about borrowing against your Bitcoin Make sure you read our Borrower Checklist first" [X Link](https://x.com/anyuser/status/1945122589849874886) 2025-07-15T14:05Z [---] followers, [----] engagements "Special thanks to @LynAldenContact and @willywoo for their review. Read the executive summary or download the full PDF cc @_Checkmatey_ @PrestonPysh @intangiblecoins @brian_trollz @adam3us @nic_carter @BTCsessions @paoloardoino @cryptonomista @keidunm @bergealex4 @arkade_os @glxyresearch @tether @USDC @BitcoinMagazine https://www.zone21.com/reports/bitcoin-backed-lending-2025 https://www.zone21.com/reports/bitcoin-backed-lending-2025" [X Link](https://x.com/anyuser/status/1943327699810087138) 2025-07-10T15:13Z [---] followers, [----] engagements "Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain. Thread 👇" [X Link](https://x.com/anyuser/status/1948415633596813814) 2025-07-24T16:11Z [---] followers, [----] engagements "📊 BTC borrow APRs: Week of [--] Aug [----] 🔒 Fixed rates Unchained 15.2% Debifi 1421.5% (min 0.2pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 13.528.5% (min 1.5pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% (0.9pp) Coinbase 7.4% Binance 4% (0.9pp) Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1957806697902403598 https://twitter.com/i/web/status/1957806697902403598" [X Link](https://x.com/anyuser/status/1957806697902403598) 2025-08-19T14:07Z [---] followers, [----] engagements "📊 BTC borrow APRs: Week of [--] Aug [----] Unchained 15.2% Debifi 14.221.5% (min 0.1pp) Ledn 12.4% Arch 12.5% (1.5pp) Aave 5.2% (0.2pp) Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 1228.5% (max 0.6pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 2.5pp) Nexo 18.9% Coinbase 7.4% (0.7pp) Binance 4.9% (1.6pp) Libre 320% CoinRabbit 17.419.4% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1955290836985688221 https://twitter.com/i/web/status/1955290836985688221" [X Link](https://x.com/anyuser/status/1955290836985688221) 2025-08-12T15:30Z [---] followers, [----] engagements "We were blocked by @2dogs1chic after commenting on her "Buy Borrow Die" strategy. Our comment simply highlighted the factual risks of using *variable-rate* Bitcoin-backed loans noting they can be dangerous in extreme market conditions. For example: On Aave borrow rates spiked from single digits to as high as 60-90% in 2022/2023. Just recently Coinbase borrow rates jumped from 5.1% to 8.4% in a few weeks. Blocking discussion doesn't change these facts. Bitcoin-backed loans can be a powerful tool but please understand the risks involved. Do your own research and let's encourage responsible" [X Link](https://x.com/anyuser/status/1952216460983730379) 2025-08-04T03:54Z [---] followers, [---] engagements ""Buy Borrow Die" can be a great strategy but responsible borrowing means looking beyond just APR and LTV. The real demons are the hidden counterparty risks: Lender rehypothecating your BTC Bridge hacks on wrapped collateral Custody failures or compromised private keys Your KYC data getting dumped online These are some of the risks that can wreck you. Solving for them is why we started Zone21. Need to borrow against your Bitcoin but unsure about the hidden risks Imagine instantly peeking under the hood of every Bitcoin-backed loan to understand exactly how risky it is. Now you can. Introducing" [X Link](https://x.com/anyuser/status/1951798074755670439) 2025-08-03T00:11Z [---] followers, [----] engagements "Nexo BTC-backed loan now on Zone21. Risk score [--] (High). Discontinued proof-of-reserves unrestricted rehypothecation pooled custody without bankruptcy-remote segregation and an opaque in-house oracle are major concerns. Full report: https://www.zone21.com/provider/nexo https://www.zone21.com/provider/nexo" [X Link](https://x.com/anyuser/status/1940815699137778044) 2025-07-03T16:51Z [---] followers, [----] engagements "📊 BTC borrow APRs: Week of [--] Aug [----] 🔒 Fixed rates Unchained 15.2% Debifi 14.1521.5% (min 0.15pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 13.523.5% (max 5pp) Lava 11.99% Firefish 6.516.5% Lendasat 12.526.5% (min 1pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% Coinbase 7.4% Binance 4% Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1960343358972494200 https://twitter.com/i/web/status/1960343358972494200" [X Link](https://x.com/anyuser/status/1960343358972494200) 2025-08-26T14:07Z [---] followers, [----] engagements "Our Bitcoin-Backed Lending [----] report covers everything you need to know about CeFi CeDeFi and True DeFi lending options. Including cost vs control trade-offs hidden risks and future outlook. Read the complete analysis here: https://www.zone21.com/reports/bitcoin-backed-lending-2025 https://www.zone21.com/reports/bitcoin-backed-lending-2025" [X Link](https://x.com/anyuser/status/1945122737514483936) 2025-07-15T14:06Z [---] followers, [---] engagements "Totally agree. Fear holds people back knowledge sets them free. Our goal isn't to scare but to show what has actually happened so we can all avoid repeating painful mistakes. That's what is for: making the invisible risks visible so everyone can succeed. More transparency helps everyone win. http://zone21.com http://zone21.com" [X Link](https://x.com/anyuser/status/1951803687611052503) 2025-08-03T00:33Z [---] followers, [---] engagements "CoinRabbit loan is now on Zone21. Risk score [--] (High). In-house pooled custody without bankruptcy remote undisclosed singlefeed oracle thin liquidation buffer rates adjustable at lender's discretion no PoR no wallet disclosure no audits internalonly governance highlight risk. Full report below" [X Link](https://x.com/anyuser/status/1953111386785034416) 2025-08-06T15:10Z [---] followers, [----] engagements "Now live on Zone21: Fully Customizable Risk Model Drag sliders to adjust factor weights & penalty points See Bitcoin loan scores & rankings update instantly Later: Save & share a model that matches your own risk lens Try it now: http://zone21.com http://zone21.com" [X Link](https://x.com/anyuser/status/1943025376986566932) 2025-07-09T19:12Z [---] followers, [----] engagements "To enhance transparency Zone21 now includes timestamped Evidence snapshots for each risk factor making it easy to verify the data behind every score we publish" [X Link](https://x.com/anyuser/status/1948420023694799281) 2025-07-24T16:28Z [---] followers, [---] engagements "Binance Flexible Rate Loan is now on Zone21. Risk score [--] (Critical). Rehypothecation in-house custody self-attested PoR thin 13pp liquidation buffer data leak exposing 60k users [----] BTC hacked and a $4.3B DOJ fine highlight risk. Full report: https://www.zone21.com/provider/binance https://www.zone21.com/provider/binance" [X Link](https://x.com/anyuser/status/1942604060349325533) 2025-07-08T15:17Z [---] followers, [----] engagements "Libre's operational hygiene is poor: Hotstart (second largest validator) serves a blank nonHTTPS page EOS Sweden (#5) has announced shutdown QuantumBlok (#6) social links are dead. Also: A closed oracle and razorthin DEX liquidity magnify exit risk" [X Link](https://x.com/anyuser/status/1948420574352646591) 2025-07-24T16:30Z [---] followers, [---] engagements "To meaningfully reduce its risk Libre should: Migrate collateral to battle-tested wrappers (e.g. Liquid-BTC wBTC) Disburse loans in native USDT or fiat rails Publish a full CrossLink bridge audit Adopt multi-feed open-source oracles Disclose validator ownership Boost market-maker liquidity" [X Link](https://x.com/anyuser/status/1948421121029939694) 2025-07-24T16:32Z [---] followers, [---] engagements "Full report: https://www.zone21.com/provider/libre https://www.zone21.com/provider/libre" [X Link](https://x.com/anyuser/status/1948421191322214882) 2025-07-24T16:33Z [---] followers, [---] engagements "Libre's validator dashboard (24 Jul [----] 212k votes) shows serious centralization risks: Top-2 validators control [--] % stake Top-5 control [--] % Most validators are Libre or EOS-affiliated unlicensed private entities" [X Link](https://x.com/anyuser/status/1948416263736414556) 2025-07-24T16:13Z [---] followers, [---] engagements "@jimmysong Good point. And if youre considering doing that make sure that you understand the risks involved first Need to borrow against your Bitcoin but unsure about the hidden risks Imagine instantly peeking under the hood of every Bitcoin-backed loan to understand exactly how risky it is. Now you can. Introducing Zone21. Bitcoin-backed lending exploded last bull cycle but unsafe Need to borrow against your Bitcoin but unsure about the hidden risks Imagine instantly peeking under the hood of every Bitcoin-backed loan to understand exactly how risky it is. Now you can. Introducing Zone21." [X Link](https://x.com/anyuser/status/1938155604440203601) 2025-06-26T08:41Z [---] followers, [--] engagements "Because you have to use wBTC you're twice removed from your Bitcoin Our risk model already captures this distinction. Aave takes two penalties because it uses wBTC: Collateral = [--] since the real BTC is parked with BitGo and Custody = [--] because wBTC sits in an upgradeable smart contract. Aave also gets a Platform score of [--] for running on Ethereum a network that has already experienced a chain rollback. Strikes corresponding scores for those factors are [--] [--] and [--] (lower is safer). Strike still ends up riskier overall for other reasons. Unlike most CeFi lenders it does not keep collateral with" [X Link](https://x.com/anyuser/status/1939344511484006473) 2025-06-29T15:25Z [---] followers, [--] engagements "@2dogs1chic Heres the full report on Bitcoin lending risk. Worth a look if you care about custody rehypothecation or how lenders actually handle your BTC. Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and rate existing lenders with our 13-Factor Risk Model. The report also covers new rules from the GENIUS Act to Hong Kongs VASP https://t.co/L3l1SJ8dtv Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and" [X Link](https://x.com/anyuser/status/1951801408988365099) 2025-08-03T00:24Z [---] followers, [---] engagements "Very informative video @KrownCryptoCave Loved the bits on taxes & refinancing. Few quick notes: Unchained no longer offers consumer loans. Business loans only. Ledn technically has no margin calls just warnings at 70% & 75%. No extra collateral is required unlike Strike/Unchained and other lenders. Automatic liquidation occurs at 80%. Both Strike & Ledn practice limited rehypothecation: collateral is pledged externally to a capital funding partner under a no further reuse clause. If the funding partner goes bankrupt or fails to honor the clause the failure can cascade back to the borrower." [X Link](https://x.com/anyuser/status/1948664141356696056) 2025-07-25T08:38Z [---] followers, [--] engagements "Link to full report: https://www.zone21.com/provider/coinrabbit https://www.zone21.com/provider/coinrabbit" [X Link](https://x.com/anyuser/status/1953111471992320340) 2025-08-06T15:10Z [---] followers, [---] engagements "@RuouAn @nunchuk_io @1984Galt @hodlhodl @debificom @lendasat @lava_xyz @firefish_io @libredotorg https://x.com/Zone21BTC/status/1948415633596813814 Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain. Thread 👇. https://t.co/sSa9ZMQ8Xz https://x.com/Zone21BTC/status/1948415633596813814 Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain." [X Link](https://x.com/anyuser/status/1948433418037207442) 2025-07-24T17:21Z [---] followers, [---] engagements "@V4BTC Good video and wise words my friend Agree 💯 that people should take the time and understand all the risks involved (and the reason we created this project) before taking out a Bitcoin loan. When in doubt stick to HODLing" [X Link](https://x.com/anyuser/status/1938112605526106243) 2025-06-26T05:50Z [---] followers, [---] engagements "@dario_nakamoto @relai_app @sygnumofficial It's on our TODOs Will be adding more providers in the coming weeks" [X Link](https://x.com/anyuser/status/1947278273337086177) 2025-07-21T12:51Z [---] followers, [--] engagements "@willywoo Thanks for sharing @willywoo Next week we'll have a state-of-the-industry report on Bitcoin lending. Stay tuned" [X Link](https://x.com/anyuser/status/1939340194454630420) 2025-06-29T15:08Z [---] followers, [--] engagements "@JandalHandler @willywoo You can tap Details on each loan product and read the full assessment. Coinbase link: http://zone21.com/coinbase http://zone21.com/coinbase" [X Link](https://x.com/anyuser/status/1939340030721626475) 2025-06-29T15:07Z [---] followers, [--] engagements "@Trader__Sosa @KrownCryptoCave Might also be useful: we published a report on the state of the Bitcoin lending industry. Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and rate existing lenders with our 13-Factor Risk Model. The report also covers new rules from the GENIUS Act to Hong Kongs VASP https://t.co/L3l1SJ8dtv Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and rate existing lenders with our" [X Link](https://x.com/anyuser/status/1948664621789052947) 2025-07-25T08:40Z [---] followers, [--] engagements "Fixed rates: Unchained 15.2% Debifi 14.221.5% (min 0.1pp) Ledn 12.4% Arch 12.5% (1.5pp) Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 1228.5% (max 0.6pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 2.5pp) Libre 320% CoinRabbit 17.419.4% Variable rates: Aave 5.2% (0.2pp) Nexo 18.9% Coinbase 7.4% (0.7pp) Binance 4.9% (1.6pp) https://twitter.com/i/web/status/1955307031562539140 https://twitter.com/i/web/status/1955307031562539140" [X Link](https://x.com/anyuser/status/1955307031562539140) 2025-08-12T16:34Z [---] followers, [---] engagements "@jon_salero We hear you. Well separate fixed vs. variable 👍🏻" [X Link](https://x.com/anyuser/status/1955306374784836061) 2025-08-12T16:32Z [---] followers, [--] engagements "@overtorment @hugomofn 👀" [X Link](https://x.com/anyuser/status/1938305318364369321) 2025-06-26T18:36Z [---] followers, [--] engagements "@debificom Awesome Solid stack btw 👍 Let us know when you do we'd be happy to update it" [X Link](https://x.com/anyuser/status/1937977608052084912) 2025-06-25T20:54Z [---] followers, [---] engagements "@BTCNoodles Rated. You can read more here: https://x.com/Zone21BTC/status/1948415633596813814 Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain. Thread 👇. https://t.co/sSa9ZMQ8Xz https://x.com/Zone21BTC/status/1948415633596813814 Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain. Thread 👇. https://t.co/sSa9ZMQ8Xz" [X Link](https://x.com/anyuser/status/1948432913441382760) 2025-07-24T17:19Z [---] followers, [--] engagements "@HonzaVaclavek Speaking of which Firefishs Custody score should be [--]. Well update it accordingly" [X Link](https://x.com/anyuser/status/1941156155298025772) 2025-07-04T15:24Z [---] followers, [--] engagements "@HonzaVaclavek Basically Custody score = [--] means you need at least another co-signer to withdraw funds even after a timelock has expired. Score [--] means unilateral exit. You alone can withdraw funds after timeout" [X Link](https://x.com/anyuser/status/1941154405287674011) 2025-07-04T15:17Z [---] followers, [--] engagements "@DIYFractal @SteveSimple It will count as one independent oracle. Having multiple independent oracles is still more robust (in case any one of them malfunctions/is unavailable)" [X Link](https://x.com/anyuser/status/1939885881055498337) 2025-07-01T03:16Z [---] followers, [--] engagements "@lightcoin @SovrynBTC 👀" [X Link](https://x.com/anyuser/status/1939741912493445269) 2025-06-30T17:44Z [---] followers, [---] engagements "@DIYFractal @SteveSimple Yeah we seem to be shadow-banned not sure why. Maybe because its a new account. Very strange" [X Link](https://x.com/anyuser/status/1938344580661076224) 2025-06-26T21:12Z [---] followers, [--] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@Zone21BTC Zone21
Zone21 posts on X about libre, coinbase, strike, binance the most. They currently have [---] followers and [--] posts still getting attention that total [--] engagements in the last [--] hours.
Engagements: [--] #
- [--] Week [---] +794%
- [--] Month [---] -12%
- [--] Months [------] -74%
Mentions: [--] #
- [--] Week [--] +29%
- [--] Month [--] -9.50%
- [--] Months [--] +22%
Followers: [---] #
- [--] Month [---] +0.76%
- [--] Months [---] +76%
CreatorRank: undefined #
Social Influence
Social category influence cryptocurrencies technology brands exchanges stocks finance automotive brands
Social topic influence libre #1496, coinbase #3211, strike, binance #3412, $salt lend #8, salt, arch #224, bitcoin, max, hidden
Top accounts mentioned or mentioned by @willywoo @2dogs1chic @krowncryptocave @nunchukio @lightcoin @sovrynbtc @lynaldencontact @checkmatey @prestonpysh @intangiblecoins @briantrollz @adam3us @niccarter @btcsessions @paoloardoino @cryptonomista @keidunm @bergealex4 @arkadeos @glxyresearch
Top assets mentioned Coinbase Global Inc. (COIN) SALT (SALT) Bitcoin (BTC) USDC (USDC) Ethereum (ETH)
Top Social Posts
Top posts by engagements in the last [--] hours
"@lightcoin @SovrynBTC 👀"
X Link 2025-06-30T17:44Z [---] followers, [---] engagements
"Nexo BTC-backed loan now on Zone21. Risk score [--] (High). Discontinued proof-of-reserves unrestricted rehypothecation pooled custody without bankruptcy-remote segregation and an opaque in-house oracle are major concerns. Full report: https://www.zone21.com/provider/nexo https://www.zone21.com/provider/nexo"
X Link 2025-07-03T16:51Z [---] followers, [----] engagements
"Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and rate existing lenders with our 13-Factor Risk Model. The report also covers new rules from the GENIUS Act to Hong Kongs VASP regime and offers a one-page borrower checklist"
X Link 2025-07-10T15:10Z [---] followers, 71.4K engagements
"Special thanks to @LynAldenContact and @willywoo for their review. Read the executive summary or download the full PDF cc @Checkmatey @PrestonPysh @intangiblecoins @brian_trollz @adam3us @nic_carter @BTCsessions @paoloardoino @cryptonomista @keidunm @bergealex4 @arkade_os @glxyresearch @tether @USDC @BitcoinMagazine https://www.zone21.com/reports/bitcoin-backed-lending-2025 https://www.zone21.com/reports/bitcoin-backed-lending-2025"
X Link 2025-07-10T15:13Z [---] followers, [----] engagements
"Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain. Thread 👇"
X Link 2025-07-24T16:11Z [---] followers, [----] engagements
"Libre's validator dashboard (24 Jul [----] 212k votes) shows serious centralization risks: Top-2 validators control [--] % stake Top-5 control [--] % Most validators are Libre or EOS-affiliated unlicensed private entities"
X Link 2025-07-24T16:13Z [---] followers, [---] engagements
"To enhance transparency Zone21 now includes timestamped Evidence snapshots for each risk factor making it easy to verify the data behind every score we publish"
X Link 2025-07-24T16:28Z [---] followers, [---] engagements
"Libre's operational hygiene is poor: Hotstart (second largest validator) serves a blank nonHTTPS page EOS Sweden (#5) has announced shutdown QuantumBlok (#6) social links are dead. Also: A closed oracle and razorthin DEX liquidity magnify exit risk"
X Link 2025-07-24T16:30Z [---] followers, [---] engagements
"Very informative video @KrownCryptoCave Loved the bits on taxes & refinancing. Few quick notes: Unchained no longer offers consumer loans. Business loans only. Ledn technically has no margin calls just warnings at 70% & 75%. No extra collateral is required unlike Strike/Unchained and other lenders. Automatic liquidation occurs at 80%. Both Strike & Ledn practice limited rehypothecation: collateral is pledged externally to a capital funding partner under a no further reuse clause. If the funding partner goes bankrupt or fails to honor the clause the failure can cascade back to the borrower."
X Link 2025-07-25T08:38Z [---] followers, [--] engagements
"We were blocked by @2dogs1chic after commenting on her "Buy Borrow Die" strategy. Our comment simply highlighted the factual risks of using variable-rate Bitcoin-backed loans noting they can be dangerous in extreme market conditions. For example: On Aave borrow rates spiked from single digits to as high as 60-90% in 2022/2023. Just recently Coinbase borrow rates jumped from 5.1% to 8.4% in a few weeks. Blocking discussion doesn't change these facts. Bitcoin-backed loans can be a powerful tool but please understand the risks involved. Do your own research and let's encourage responsible"
X Link 2025-08-04T03:54Z [---] followers, [---] engagements
"Need to borrow against your Bitcoin but unsure about the hidden risks Imagine instantly peeking under the hood of every Bitcoin-backed loan to understand exactly how risky it is. Now you can. Introducing Zone21. Bitcoin-backed lending exploded last bull cycle but unsafe practices caused tens of billions in losses (remember Celsius BlockFi Voyager). Now new lenders promise better practices like minimal rehypothecation and Proof-of-Reserves but many risks remain hidden and misunderstood. Bitcoin lending combines two intricate worlds: Bitcoin technology (multisig DLCs custody solutions) and"
X Link 2025-06-25T20:23Z [---] followers, 57.2K engagements
"Binance Flexible Rate Loan is now on Zone21. Risk score [--] (Critical). Rehypothecation in-house custody self-attested PoR thin 13pp liquidation buffer data leak exposing 60k users [----] BTC hacked and a $4.3B DOJ fine highlight risk. Full report: https://www.zone21.com/provider/binance https://www.zone21.com/provider/binance"
X Link 2025-07-08T15:17Z [---] followers, [----] engagements
"Arch Lending risk score update: [--] (from 49). Oracle moved [---] after disclosure of CoinMarketCap as the price feed. Full report below"
X Link 2025-10-22T18:02Z [---] followers, [----] engagements
"CMC aggregates multiple exchanges with outlier filters. Arch adds stale-price alerts and manual liquidation holds when LTVs look abnormal or prices go stale. Still single-source. Link to full report: https://www.zone21.com/provider/arch https://www.zone21.com/provider/arch"
X Link 2025-10-22T18:06Z [---] followers, [---] engagements
"Lava announced a $200M fund raise and a new Bitcoin Line of Credit (BLOC) product. However the thread below shows a painful real-time example of the #1 risk in Bitcoin lending: counterparty risk hidden behind a veil of "trustless" marketing. We are seeing several red flags from the @lava_xyz dispute: Users are alleging their collateral was moved to new addresses without their consent. The CEO admits the security model changed significantly moving away from DLCs. This fundamental change to the trust model was apparently not communicated to users. This situation is precisely why our security"
X Link 2025-11-05T13:34Z [---] followers, 35.6K engagements
"Our Bitcoin-Backed Lending [----] report covers everything you need to know about CeFi CeDeFi and True DeFi lending options. Including cost vs control trade-offs hidden risks and future outlook. Read the complete analysis here: https://www.zone21.com/reports/bitcoin-backed-lending-2025 https://www.zone21.com/reports/bitcoin-backed-lending-2025"
X Link 2025-11-06T13:18Z [---] followers, [---] engagements
"Fixed rates: Unchained 15.2% Debifi 14.221.5% (min 0.1pp) Ledn 12.4% Arch 12.5% (1.5pp) Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 1228.5% (max 0.6pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 2.5pp) Libre 320% CoinRabbit 17.419.4% Variable rates: Aave 5.2% (0.2pp) Nexo 18.9% Coinbase 7.4% (0.7pp) Binance 4.9% (1.6pp) https://twitter.com/i/web/status/1955307031562539140 https://twitter.com/i/web/status/1955307031562539140"
X Link 2025-08-12T16:34Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] Sep [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.520.5% (min 2.5pp max 1.0pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.525.5% (min 0.9pp) Lava 11.99% Firefish 6.516.5% Lendasat 10.526.5% (min 1.0pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.3% (0.2pp) Coinbase 7.3% Binance 5.7% (0.5pp) Nexo 18.9% As of 2025-09-23 13:45 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1970504892688277831 https://twitter.com/i/web/status/1970504892688277831"
X Link 2025-09-23T15:05Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] Sep [----] 🔒 Fixed rates Unchained 15.2% Debifi 1121.5% (min 2.5pp max 1.0pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 10.425.5% (min 2.1pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 1.0pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.6% (0.7pp) Coinbase 7.5% (0.2pp) Binance 6.3% (0.6pp) Nexo 18.9% As of 2025-09-30 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1973025368413278545 https://twitter.com/i/web/status/1973025368413278545"
X Link 2025-09-30T14:01Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] Oct [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% (min 2.5pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% (min 2.1pp max 2.0pp) Lava 11.99% Firefish 5.516.5% (min 1.0pp) Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.6% Coinbase 7.5% Binance 9.3% (3.0pp) Nexo 18.9% As of 2025-10-07 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points https://twitter.com/i/web/status/1975561768895201517 https://twitter.com/i/web/status/1975561768895201517"
X Link 2025-10-07T14:00Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] Oct [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% Lava 11.99% Firefish 5.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.7% (0.1pp) Coinbase 7.5% Binance 5.9% (1.1pp) Nexo 18.9% As of 2025-10-21 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1980636300148633630 https://twitter.com/i/web/status/1980636300148633630"
X Link 2025-10-21T14:04Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] Oct [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.528.5% (min 1.0pp max 5.0pp) Lava 11.99% Firefish 5.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.3% (0.4pp) Coinbase 7.5% Binance 6% (0.1pp) Nexo 18.9% As of 2025-10-28 15:30 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1983200495318741351 https://twitter.com/i/web/status/1983200495318741351"
X Link 2025-10-28T15:53Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] November [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% (max 5.0pp) Lava 7% (4.99pp) Firefish 5.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.5% (0.2pp) Coinbase 7.5% Binance 5.2% (0.8pp) Nexo 18.9% As of 2025-11-04 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1985709616442052920 https://twitter.com/i/web/status/1985709616442052920"
X Link 2025-11-04T14:03Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] December [----] 🔒 Fixed rates Unchained 14.18% Debifi 13.521.5% Ledn 11.9% (0.5pp) Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% Lava 7% Firefish 5.516.5% Lendasat 12.519.5% (min 0.5pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.8% Coinbase 6.3% (0.3pp) Binance 3.6% (0.1pp) Nexo 18.9% As of 2025-12-09 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1998411174669668844 https://twitter.com/i/web/status/1998411174669668844"
X Link 2025-12-09T15:15Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] Aug [----] Unchained 15.2% Debifi 14.221.5% (min 0.1pp) Ledn 12.4% Arch 12.5% (1.5pp) Aave 5.2% (0.2pp) Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 1228.5% (max 0.6pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 2.5pp) Nexo 18.9% Coinbase 7.4% (0.7pp) Binance 4.9% (1.6pp) Libre 320% CoinRabbit 17.419.4% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1955290836985688221 https://twitter.com/i/web/status/1955290836985688221"
X Link 2025-08-12T15:30Z [---] followers, [----] engagements
"📊 BTC borrow APRs: Week of [--] Aug [----] 🔒 Fixed rates Unchained 15.2% Debifi 1421.5% (min 0.2pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 13.528.5% (min 1.5pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% (0.9pp) Coinbase 7.4% Binance 4% (0.9pp) Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1957806697902403598 https://twitter.com/i/web/status/1957806697902403598"
X Link 2025-08-19T14:07Z [---] followers, [----] engagements
"📊 BTC borrow APRs: Week of [--] Aug [----] 🔒 Fixed rates Unchained 15.2% Debifi 14.1521.5% (min 0.15pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 13.523.5% (max 5pp) Lava 11.99% Firefish 6.516.5% Lendasat 12.526.5% (min 1pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% Coinbase 7.4% Binance 4% Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1960343358972494200 https://twitter.com/i/web/status/1960343358972494200"
X Link 2025-08-26T14:07Z [---] followers, [----] engagements
"📊 BTC borrow APRs: Week of [--] Sep [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% (min 0.65pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% (min 2pp) Lava 11.99% Firefish 6.516.5% Lendasat 12.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.7% (0.4pp) Coinbase 7.3% (0.1pp) Binance 4% Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1962881500837531770 https://twitter.com/i/web/status/1962881500837531770"
X Link 2025-09-02T14:13Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] Sep [----] 🔒 Fixed rates Unchained 15.2% Debifi 11.4921.5% (min 2.01pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.925.5% (min 1.4pp max 2pp) Lava 11.99% Firefish 6.516.5% Lendasat 12.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% (0.4pp) Coinbase 7.3% Binance 4% Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1965415502450475071 https://twitter.com/i/web/status/1965415502450475071"
X Link 2025-09-09T14:02Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] Sep [----] 🔒 Fixed rates Unchained 15.2% Debifi 1121.5% (min 0.49pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 13.425.5% (min 0.5pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 1pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% Coinbase 7.3% Binance 6.2% (2.2pp) Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1967951625517236304 https://twitter.com/i/web/status/1967951625517236304"
X Link 2025-09-16T14:00Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] Oct [----] 🔒 Fixed rates Unchained 15.2% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% Lava 11.99% Firefish 5.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.6% Coinbase 7.5% Binance 4.8% (4.5pp) Nexo 18.9% As of 2025-10-14 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1978098496575049731 https://twitter.com/i/web/status/1978098496575049731"
X Link 2025-10-14T14:00Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] November [----] 🔒 Fixed rates Unchained 14.18% (1.02pp) Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% Lava 7% Firefish 5.516.5% Lendasat 1226.5% (min 0.5pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.8% (0.3pp) Coinbase 7.5% Binance 5.2% Nexo 18.9% As of 2025-11-11 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1988250047658770622 https://twitter.com/i/web/status/1988250047658770622"
X Link 2025-11-11T14:18Z [---] followers, [----] engagements
"📊 BTC borrow APRs: Week of [--] November [----] 🔒 Fixed rates Unchained 14.18% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% Lava 7% Firefish 5.516.5% Lendasat 1219.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 5.5% Coinbase 7.5% Binance 5% Nexo 18.9% As of 2025-11-25 15:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1993334529365623045 https://twitter.com/i/web/status/1993334529365623045"
X Link 2025-11-25T15:02Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] December [----] 🔒 Fixed rates Unchained 14.18% Debifi 13.521.5% Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% (min 1.0pp) Lava 7% Firefish 5.516.5% Lendasat 1219.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.8% (0.7pp) Coinbase 6.6% (0.9pp) Binance 3.7% (1.3pp) Nexo 18.9% As of 2025-12-03 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1996220524167565746 https://twitter.com/i/web/status/1996220524167565746"
X Link 2025-12-03T14:10Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] December [----] 🔒 Fixed rates Unchained 14.18% Debifi 13.521.5% Ledn 11.9% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 12.523.5% Lava 7% Firefish 5.516.5% Lendasat 12.519.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.6% Coinbase 6.0% Binance 4.2% Nexo 18.9% As of 2025-12-24 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/2003838601432629551 https://twitter.com/i/web/status/2003838601432629551"
X Link 2025-12-24T14:42Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] December [----] 🔒 Fixed rates Unchained 14.18% Debifi 13.521.5% Ledn 11.9% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% (min 1.0pp) Lava 7% Firefish 5.516.5% Lendasat 11.519.5% (min 1.0pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.6% Coinbase 6.0% Binance 6.1% (1.9pp) Nexo 18.9% As of 2025-12-30 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/2006021604434985207 https://twitter.com/i/web/status/2006021604434985207"
X Link 2025-12-30T15:16Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] January [----] 🔒 Fixed rates Unchained 14.18% Debifi 9.521.5% (min 4.0pp) Ledn 11.9% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% Lava 7% Firefish 5.516.5% Lendasat 11.519.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.8% (0.2pp) Coinbase 5.3% (0.7pp) Binance 5.3% (0.8pp) Nexo 18.9% As of 2026-01-14 15:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/2011467066562449605 https://twitter.com/i/web/status/2011467066562449605"
X Link 2026-01-14T15:54Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] January [----] 🔒 Fixed rates Unchained 14.18% Debifi 11.521.5% (min 2.0pp) Ledn 11.9% Arch 12.5% Salt Lending 9.9514.45% (min 1.0pp) Strike 10.514.0% HodlHodl 11.523.5% Lava 7% Firefish 5.516.5% Lendasat 11.519.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 4.6% (0.2pp) Coinbase 5.3% Binance 4.7% (0.6pp) Nexo 18.9% As of 2026-01-20 17:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/2013670591040205214 https://twitter.com/i/web/status/2013670591040205214"
X Link 2026-01-20T17:50Z [---] followers, [---] engagements
"📊 BTC borrow APRs: Week of [--] February [----] 🔒 Fixed rates Unchained 14.18% Debifi 9.5-21.5% Ledn 11.9% Arch 8.49-11.84% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 11.523.5% Lava 8.5-9.5%% Firefish 5.516.5% Lendasat 11.519.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 3.7% Coinbase 4.1% Binance 4.3% Nexo 18.9% As of 2026-02-10 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/2021239301724594254 https://twitter.com/i/web/status/2021239301724594254"
X Link 2026-02-10T15:06Z [---] followers, [---] engagements
"Need to borrow against your Bitcoin but unsure about the hidden risks Imagine instantly peeking under the hood of every Bitcoin-backed loan to understand exactly how risky it is. Now you can. Introducing Zone21. Bitcoin-backed lending exploded last bull cycle but unsafe practices caused tens of billions in losses (remember Celsius BlockFi Voyager). Now new lenders promise better practices like minimal rehypothecation and Proof-of-Reserves but many risks remain hidden and misunderstood. Bitcoin lending combines two intricate worlds: Bitcoin technology (multisig DLCs custody solutions) and"
X Link 2025-06-25T20:23Z [---] followers, 57.2K engagements
"Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and rate existing lenders with our 13-Factor Risk Model. The report also covers new rules from the GENIUS Act to Hong Kongs VASP regime and offers a one-page borrower checklist"
X Link 2025-07-10T15:10Z [---] followers, 71.4K engagements
"Zone21s Bitcoin-backed loan dataset is now open source 🎉 Any future changes to the risk scores and risk model can be viewed directly on GitHub. Feedback & contributions welcome https://github.com/Zone21BTC/btc-loans https://github.com/Zone21BTC/btc-loans"
X Link 2025-07-29T14:09Z [---] followers, [----] engagements
"@2dogs1chic Did you know that borrow rates jumped from single digits to 60% in [----] on Aave wiping out many borrowers Variable rate loans can be very dangerous in extreme market conditions. And theyre by far not the only risk. Thinking about borrowing against your Bitcoin Make sure you read our Borrower Checklist first. https://t.co/wa7c87ZTvi Thinking about borrowing against your Bitcoin Make sure you read our Borrower Checklist first. https://t.co/wa7c87ZTvi"
X Link 2025-08-03T00:20Z [---] followers, [----] engagements
"Thinking about borrowing against your Bitcoin Make sure you read our Borrower Checklist first"
X Link 2025-07-15T14:05Z [---] followers, [----] engagements
"Special thanks to @LynAldenContact and @willywoo for their review. Read the executive summary or download the full PDF cc @Checkmatey @PrestonPysh @intangiblecoins @brian_trollz @adam3us @nic_carter @BTCsessions @paoloardoino @cryptonomista @keidunm @bergealex4 @arkade_os @glxyresearch @tether @USDC @BitcoinMagazine https://www.zone21.com/reports/bitcoin-backed-lending-2025 https://www.zone21.com/reports/bitcoin-backed-lending-2025"
X Link 2025-07-10T15:13Z [---] followers, [----] engagements
"Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain. Thread 👇"
X Link 2025-07-24T16:11Z [---] followers, [----] engagements
"📊 BTC borrow APRs: Week of [--] Aug [----] 🔒 Fixed rates Unchained 15.2% Debifi 1421.5% (min 0.2pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 13.528.5% (min 1.5pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% (0.9pp) Coinbase 7.4% Binance 4% (0.9pp) Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1957806697902403598 https://twitter.com/i/web/status/1957806697902403598"
X Link 2025-08-19T14:07Z [---] followers, [----] engagements
"📊 BTC borrow APRs: Week of [--] Aug [----] Unchained 15.2% Debifi 14.221.5% (min 0.1pp) Ledn 12.4% Arch 12.5% (1.5pp) Aave 5.2% (0.2pp) Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 1228.5% (max 0.6pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 2.5pp) Nexo 18.9% Coinbase 7.4% (0.7pp) Binance 4.9% (1.6pp) Libre 320% CoinRabbit 17.419.4% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1955290836985688221 https://twitter.com/i/web/status/1955290836985688221"
X Link 2025-08-12T15:30Z [---] followers, [----] engagements
"We were blocked by @2dogs1chic after commenting on her "Buy Borrow Die" strategy. Our comment simply highlighted the factual risks of using variable-rate Bitcoin-backed loans noting they can be dangerous in extreme market conditions. For example: On Aave borrow rates spiked from single digits to as high as 60-90% in 2022/2023. Just recently Coinbase borrow rates jumped from 5.1% to 8.4% in a few weeks. Blocking discussion doesn't change these facts. Bitcoin-backed loans can be a powerful tool but please understand the risks involved. Do your own research and let's encourage responsible"
X Link 2025-08-04T03:54Z [---] followers, [---] engagements
""Buy Borrow Die" can be a great strategy but responsible borrowing means looking beyond just APR and LTV. The real demons are the hidden counterparty risks: Lender rehypothecating your BTC Bridge hacks on wrapped collateral Custody failures or compromised private keys Your KYC data getting dumped online These are some of the risks that can wreck you. Solving for them is why we started Zone21. Need to borrow against your Bitcoin but unsure about the hidden risks Imagine instantly peeking under the hood of every Bitcoin-backed loan to understand exactly how risky it is. Now you can. Introducing"
X Link 2025-08-03T00:11Z [---] followers, [----] engagements
"Nexo BTC-backed loan now on Zone21. Risk score [--] (High). Discontinued proof-of-reserves unrestricted rehypothecation pooled custody without bankruptcy-remote segregation and an opaque in-house oracle are major concerns. Full report: https://www.zone21.com/provider/nexo https://www.zone21.com/provider/nexo"
X Link 2025-07-03T16:51Z [---] followers, [----] engagements
"📊 BTC borrow APRs: Week of [--] Aug [----] 🔒 Fixed rates Unchained 15.2% Debifi 14.1521.5% (min 0.15pp) Ledn 12.4% Arch 12.5% Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 13.523.5% (max 5pp) Lava 11.99% Firefish 6.516.5% Lendasat 12.526.5% (min 1pp) Libre 320% CoinRabbit 17.419.4% 🔄 Variable rates Aave 6.1% Coinbase 7.4% Binance 4% Nexo 18.9% As of [--------] 14:00 UTC Borrow APRs = what you pay = WoW change in percentage points Full snapshot below. https://twitter.com/i/web/status/1960343358972494200 https://twitter.com/i/web/status/1960343358972494200"
X Link 2025-08-26T14:07Z [---] followers, [----] engagements
"Our Bitcoin-Backed Lending [----] report covers everything you need to know about CeFi CeDeFi and True DeFi lending options. Including cost vs control trade-offs hidden risks and future outlook. Read the complete analysis here: https://www.zone21.com/reports/bitcoin-backed-lending-2025 https://www.zone21.com/reports/bitcoin-backed-lending-2025"
X Link 2025-07-15T14:06Z [---] followers, [---] engagements
"Totally agree. Fear holds people back knowledge sets them free. Our goal isn't to scare but to show what has actually happened so we can all avoid repeating painful mistakes. That's what is for: making the invisible risks visible so everyone can succeed. More transparency helps everyone win. http://zone21.com http://zone21.com"
X Link 2025-08-03T00:33Z [---] followers, [---] engagements
"CoinRabbit loan is now on Zone21. Risk score [--] (High). In-house pooled custody without bankruptcy remote undisclosed singlefeed oracle thin liquidation buffer rates adjustable at lender's discretion no PoR no wallet disclosure no audits internalonly governance highlight risk. Full report below"
X Link 2025-08-06T15:10Z [---] followers, [----] engagements
"Now live on Zone21: Fully Customizable Risk Model Drag sliders to adjust factor weights & penalty points See Bitcoin loan scores & rankings update instantly Later: Save & share a model that matches your own risk lens Try it now: http://zone21.com http://zone21.com"
X Link 2025-07-09T19:12Z [---] followers, [----] engagements
"To enhance transparency Zone21 now includes timestamped Evidence snapshots for each risk factor making it easy to verify the data behind every score we publish"
X Link 2025-07-24T16:28Z [---] followers, [---] engagements
"Binance Flexible Rate Loan is now on Zone21. Risk score [--] (Critical). Rehypothecation in-house custody self-attested PoR thin 13pp liquidation buffer data leak exposing 60k users [----] BTC hacked and a $4.3B DOJ fine highlight risk. Full report: https://www.zone21.com/provider/binance https://www.zone21.com/provider/binance"
X Link 2025-07-08T15:17Z [---] followers, [----] engagements
"Libre's operational hygiene is poor: Hotstart (second largest validator) serves a blank nonHTTPS page EOS Sweden (#5) has announced shutdown QuantumBlok (#6) social links are dead. Also: A closed oracle and razorthin DEX liquidity magnify exit risk"
X Link 2025-07-24T16:30Z [---] followers, [---] engagements
"To meaningfully reduce its risk Libre should: Migrate collateral to battle-tested wrappers (e.g. Liquid-BTC wBTC) Disburse loans in native USDT or fiat rails Publish a full CrossLink bridge audit Adopt multi-feed open-source oracles Disclose validator ownership Boost market-maker liquidity"
X Link 2025-07-24T16:32Z [---] followers, [---] engagements
"Full report: https://www.zone21.com/provider/libre https://www.zone21.com/provider/libre"
X Link 2025-07-24T16:33Z [---] followers, [---] engagements
"Libre's validator dashboard (24 Jul [----] 212k votes) shows serious centralization risks: Top-2 validators control [--] % stake Top-5 control [--] % Most validators are Libre or EOS-affiliated unlicensed private entities"
X Link 2025-07-24T16:13Z [---] followers, [---] engagements
"@jimmysong Good point. And if youre considering doing that make sure that you understand the risks involved first Need to borrow against your Bitcoin but unsure about the hidden risks Imagine instantly peeking under the hood of every Bitcoin-backed loan to understand exactly how risky it is. Now you can. Introducing Zone21. Bitcoin-backed lending exploded last bull cycle but unsafe Need to borrow against your Bitcoin but unsure about the hidden risks Imagine instantly peeking under the hood of every Bitcoin-backed loan to understand exactly how risky it is. Now you can. Introducing Zone21."
X Link 2025-06-26T08:41Z [---] followers, [--] engagements
"Because you have to use wBTC you're twice removed from your Bitcoin Our risk model already captures this distinction. Aave takes two penalties because it uses wBTC: Collateral = [--] since the real BTC is parked with BitGo and Custody = [--] because wBTC sits in an upgradeable smart contract. Aave also gets a Platform score of [--] for running on Ethereum a network that has already experienced a chain rollback. Strikes corresponding scores for those factors are [--] [--] and [--] (lower is safer). Strike still ends up riskier overall for other reasons. Unlike most CeFi lenders it does not keep collateral with"
X Link 2025-06-29T15:25Z [---] followers, [--] engagements
"@2dogs1chic Heres the full report on Bitcoin lending risk. Worth a look if you care about custody rehypothecation or how lenders actually handle your BTC. Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and rate existing lenders with our 13-Factor Risk Model. The report also covers new rules from the GENIUS Act to Hong Kongs VASP https://t.co/L3l1SJ8dtv Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and"
X Link 2025-08-03T00:24Z [---] followers, [---] engagements
"Very informative video @KrownCryptoCave Loved the bits on taxes & refinancing. Few quick notes: Unchained no longer offers consumer loans. Business loans only. Ledn technically has no margin calls just warnings at 70% & 75%. No extra collateral is required unlike Strike/Unchained and other lenders. Automatic liquidation occurs at 80%. Both Strike & Ledn practice limited rehypothecation: collateral is pledged externally to a capital funding partner under a no further reuse clause. If the funding partner goes bankrupt or fails to honor the clause the failure can cascade back to the borrower."
X Link 2025-07-25T08:38Z [---] followers, [--] engagements
"Link to full report: https://www.zone21.com/provider/coinrabbit https://www.zone21.com/provider/coinrabbit"
X Link 2025-08-06T15:10Z [---] followers, [---] engagements
"@RuouAn @nunchuk_io @1984Galt @hodlhodl @debificom @lendasat @lava_xyz @firefish_io @libredotorg https://x.com/Zone21BTC/status/1948415633596813814 Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain. Thread 👇. https://t.co/sSa9ZMQ8Xz https://x.com/Zone21BTC/status/1948415633596813814 Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain."
X Link 2025-07-24T17:21Z [---] followers, [---] engagements
"@V4BTC Good video and wise words my friend Agree 💯 that people should take the time and understand all the risks involved (and the reason we created this project) before taking out a Bitcoin loan. When in doubt stick to HODLing"
X Link 2025-06-26T05:50Z [---] followers, [---] engagements
"@dario_nakamoto @relai_app @sygnumofficial It's on our TODOs Will be adding more providers in the coming weeks"
X Link 2025-07-21T12:51Z [---] followers, [--] engagements
"@willywoo Thanks for sharing @willywoo Next week we'll have a state-of-the-industry report on Bitcoin lending. Stay tuned"
X Link 2025-06-29T15:08Z [---] followers, [--] engagements
"@JandalHandler @willywoo You can tap Details on each loan product and read the full assessment. Coinbase link: http://zone21.com/coinbase http://zone21.com/coinbase"
X Link 2025-06-29T15:07Z [---] followers, [--] engagements
"@Trader__Sosa @KrownCryptoCave Might also be useful: we published a report on the state of the Bitcoin lending industry. Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and rate existing lenders with our 13-Factor Risk Model. The report also covers new rules from the GENIUS Act to Hong Kongs VASP https://t.co/L3l1SJ8dtv Special report: Bitcoin-Backed Lending 2025Decoding Cost Control & Hidden Risk. We size the US $14 B market compare CeFi vs CeDeFi vs True DeFi and rate existing lenders with our"
X Link 2025-07-25T08:40Z [---] followers, [--] engagements
"Fixed rates: Unchained 15.2% Debifi 14.221.5% (min 0.1pp) Ledn 12.4% Arch 12.5% (1.5pp) Salt Lending 8.9514.45% Strike 10.514.0% HodlHodl 1228.5% (max 0.6pp) Lava 11.99% Firefish 6.516.5% Lendasat 11.526.5% (min 2.5pp) Libre 320% CoinRabbit 17.419.4% Variable rates: Aave 5.2% (0.2pp) Nexo 18.9% Coinbase 7.4% (0.7pp) Binance 4.9% (1.6pp) https://twitter.com/i/web/status/1955307031562539140 https://twitter.com/i/web/status/1955307031562539140"
X Link 2025-08-12T16:34Z [---] followers, [---] engagements
"@jon_salero We hear you. Well separate fixed vs. variable 👍🏻"
X Link 2025-08-12T16:32Z [---] followers, [--] engagements
"@overtorment @hugomofn 👀"
X Link 2025-06-26T18:36Z [---] followers, [--] engagements
"@debificom Awesome Solid stack btw 👍 Let us know when you do we'd be happy to update it"
X Link 2025-06-25T20:54Z [---] followers, [---] engagements
"@BTCNoodles Rated. You can read more here: https://x.com/Zone21BTC/status/1948415633596813814 Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain. Thread 👇. https://t.co/sSa9ZMQ8Xz https://x.com/Zone21BTC/status/1948415633596813814 Libre is now on Zone21. Risk score [--] (Critical). Both collateral and loan proceeds are trapped behind Libres unaudited CrossLink MPC bridge so redemptions are hostage to the chain. Thread 👇. https://t.co/sSa9ZMQ8Xz"
X Link 2025-07-24T17:19Z [---] followers, [--] engagements
"@HonzaVaclavek Speaking of which Firefishs Custody score should be [--]. Well update it accordingly"
X Link 2025-07-04T15:24Z [---] followers, [--] engagements
"@HonzaVaclavek Basically Custody score = [--] means you need at least another co-signer to withdraw funds even after a timelock has expired. Score [--] means unilateral exit. You alone can withdraw funds after timeout"
X Link 2025-07-04T15:17Z [---] followers, [--] engagements
"@DIYFractal @SteveSimple It will count as one independent oracle. Having multiple independent oracles is still more robust (in case any one of them malfunctions/is unavailable)"
X Link 2025-07-01T03:16Z [---] followers, [--] engagements
"@lightcoin @SovrynBTC 👀"
X Link 2025-06-30T17:44Z [---] followers, [---] engagements
"@DIYFractal @SteveSimple Yeah we seem to be shadow-banned not sure why. Maybe because its a new account. Very strange"
X Link 2025-06-26T21:12Z [---] followers, [--] engagements
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing