Ki Young Ju highlights CoinRabbit data showing USDT borrowing by users collateralizing over $10M in BTC rose 83% last month while retail borrowing fell 17%, with whales now holding 3.03M BTC.

Binance slashes Lite Loan fee to 0.5% for 1,000 USDT against BTC collateral, shaping BTC price prediction amid current 4h technical levels.

Coinbase lets US borrowers use Bitcoin collateral for mortgages without sales or margin calls, with up to $10k closing credit for Coinbase One at $78422.86 BTC.

According to @CoinMarketCap, the U.S. Commodity Futures Trading Commission has launched a digital asset pilot program enabling Bitcoin (BTC), Ethereum (ETH), and USD Coin (USDC) to be used as collateral in derivatives markets. Per @CoinMarketCap, the pilot explicitly covers collateral usage under CFTC oversight, signaling a regulated pathway for BTC, ETH, and USDC collateralization on U.S. derivatives venues. According to @CoinMarketCap, the source post does not provide additional implementation parameters or timelines beyond collateral eligibility.

According to @Excellion on X, his earlier post was satirical and the actual fine print he highlighted was a 4% annual capital fee on the highest borrowed amount, with 3% interest only for small loans and 5% for larger loans (source: @Excellion on X). According to @Excellion on X, Lava is marketing 5% loans plus an extra 2% capital fee, which can make total costs higher than standard loans once the extra fee is included (source: @Excellion on X). According to @Excellion on X, USD lending yields are generally 7–9% and most platforms lend at 9–12%, so sub-5% offers are likely promotional, size-limited, or riskier to sustain at scale (source: @Excellion on X). According to @Excellion on X, BTC-backed borrowers should not expect sustainable rates below the broader USD lending market because lenders will prefer 7–9% alternatives if available (source: @Excellion on X). According to @Excellion on X, the trading takeaway is that BTC borrowing costs are anchored by USD market rates, not headline 3–5% promos (source: @Excellion on X).