We need a company offering loans for bitcoin collateral where the loanee holds the btc and the loaner is charging less than 5%.

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not quite that but at least River is offering %3.8 interest in BTC on cash holdings

I don't understand. Can you elaborate?

River is an exchange. They offer a service where you can put in USD like a savings account and get paid 3.8% interest paid in Bitcoin on the cash.

Oh my! I may try this.

They also let you do no fee reoccuring buys so I'm cost averaging $25/month into btc no fees haven't done the interest product yet.

We will get there.

The market needs a bit more liquidity to push interest rates down.

Hope so.

Now I just need to decide what business to buy.