Coinbase gives me the heebee jeebees, but what does LTV bellow 86% mean?

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Loan to Value ratio

LTV stands for Loan-to-Value ratio

it measures how much you’re borrowing compared to the value of the asset.

If your asset is worth $100,000 & you take out a loan for $86,000, your LTV is 86%

if someone says your LTV is below 86%, it means:

You’re borrowing less than 86% of your assets value, and you have at least 14% equity in the asset

😮 14% drops can happen overnight.

Most people would likely keep a 50% ltv max with Bitcoin as the backing collateral. Otherwise you are correct, you play a dangerous game of liquidation on a sharp decline day or week.

That's why I've never taken a loan. I'm too afraid to play these games.

Good call.