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Sats Terminal

Written ByTerence Zimwara
Reviewed ByEmmanuel Musa
Last modifiedJune 17, 2026
Sats Terminal is a Bitcoin superapp and liquidity protocol that powers Bitcoin-backed loans, yield, and trading through a modular SDK and native app for retail users and businesses. The platform enables users to borrow stablecoins against their Bitcoin at the best available rates across DeFi, with no KYC requirements and fully self-custodial operations. BTC serves as collateral while users borrow USDC or USDT stablecoins. The platform operates on Arbitrum and Base networks, offering a seamless multi-chain experience. The Borrow SDK lets any Web3 wallet or dApp offer Bitcoin-backed stablecoin loans to their users with minimal integration effort. It aggregates loan offers across DeFi and CeFi lenders in real time, always surfacing the most competitive rates — while handling all the complexity of bridging, wrapping, and gas behind the scenes. The platform leverages smart accounts (ERC-4337) derived from the user's Bitcoin wallet signature, eliminating the need for a separate wallet or ETH for gas. All transactions are sponsored through the derived smart account, providing a gasless user experience.
Sats terminal logo
Borrow stablecoins against your Bitcoin at the best available rate across DeFi - no KYC, fully self-custodial. New users can get a loan in under 15 minutes.

Sats Terminal

Sats Terminal

Sats terminal logo
sats-terminal platform screenshot

Sats Terminal is a Bitcoin superapp and liquidity protocol that powers Bitcoin-backed loans, yield, and trading through a modular SDK and native app for retail users and businesses. The platform enables users to borrow stablecoins against their Bitcoin at the best available rates across DeFi, with no KYC requirements and fully self-custodial operations. BTC serves as collateral while users borrow USDC or USDT stablecoins. The platform operates on Arbitrum and Base networks, offering a seamless multi-chain experience. The Borrow SDK lets any Web3 wallet or dApp offer Bitcoin-backed stablecoin loans to their users with minimal integration effort. It aggregates loan offers across DeFi and CeFi lenders in real time, always surfacing the most competitive rates — while handling all the complexity of bridging, wrapping, and gas behind the scenes. The platform leverages smart accounts (ERC-4337) derived from the user's Bitcoin wallet signature, eliminating the need for a separate wallet or ETH for gas. All transactions are sponsored through the derived smart account, providing a gasless user experience.

Perks

  • Buy and sell Bitcoin with cash
  • Convenient ATM locations
  • Simple user experience

Type

Bitcoin ATM / POS

Borrow stablecoins against your Bitcoin at the best available rate across DeFi - no KYC, fully self-custodial. New users can get a loan in under 15 minutes.

Self-Custodial Lending

Users deposit native BTC as collateral and receive stablecoins like USDC, always retaining full custody of their assets without intermediaries.

Smart Accounts (ERC-4337)

Derived from the user's Bitcoin wallet signature, no separate wallet or ETH gas needed. Same BTC wallet maps to the same smart account on every chain.

Rate Aggregation

Aggregates loan offers across DeFi and CeFi lenders in real time, always surfacing the most competitive rates for borrowers.

Multi-Chain Support

Supports Arbitrum, Base, and Ethereum networks, with new chains added seamlessly without requiring app changes.

Gasless Experience

All transactions are sponsored through the derived smart account, eliminating the need for users to hold ETH for gas fees.

Borrow SDK

Enables any Web3 wallet or dApp to offer Bitcoin-backed stablecoin loans with minimal integration effort and workflow callbacks for real-time UI updates.

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