On nostr:nprofile1qqsg0wxgfhmw9z5w9a7j4h2ca6yqhwvrjgs8ws3z2qe72f9lls5vwvgjwqpz9 you can get a fixed-interest loan against your BTC. The interest varies in accordance with lender-borrower market conditions and depends on the payout stablecoin (usually 10-20%). You keep the keys to your collateralized BTC. The service aims to be decentralized and works based on the smart contract functionality of Rootstock, a BTC sidechain. It works reliably for years now. No KYC. Proper DeFi.

nostr:nprofile1qqsqcdcltmv4qanpx3p7svcufdsg9rkk00x7l2sknra4e6whkv59l7cppemhxue69uhkummn9ekx7mp0qy08wumn8ghj7mn0wd68yttsw43zuam9d3kx7unyv4ezumn9wshsnkhu0f offers a well-working bridge BTC <-> rBTC. Bitcoiners have thought about non-centralized services for secure loans against your BTC for years already. Comes with risks, no question. But if that's what you're looking for, it's right here.