Sats Terminal is a self-custodial iOS app for Bitcoin holders who want to do more than hold. From one wallet, users can buy BTC, borrow stablecoins against it, earn yield on idle USDC, and spend through a linked crypto card, without handing over custody or completing KYC. Behind the scenes it aggregates lenders to find low rates and handles the bridging and smart contracts , and on the borrowing side it compares rates across Aave, Morpho and more alongside CeFi desks so users can see LTVs, fees, and settlement terms in one view before signing.
The App Store launch matters because it packages what was previously a multi-app, multi-chain workflow into a single mobile experience aimed at Bitcoin-native users. It follows the company's rollout of Borrow, positioned as a Bitcoin borrowing marketplace combining CeFi and DeFi liquidity , and extends that aggregation logic across trading, yield, and spending. The launch promotion offers $10,000 in prizes to early users on a first-come, first-served basis.
Sats Terminal was founded by Stanislav Havryliuk (CEO) and Rishabh Java (CTO) , with Stan previously working at Bitcoin.com and running an Eastern European exchange, and Java having built and sold prior startups. The company is backed by YZi Labs, Coinbase Ventures, and Draper Associates , with additional strategic investment from Gate Ventures.
Comments (15)
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P
Priya RaghavanSep 10, 2026
Self-custodial + borrow + spend in one app is a spicy combo. Curious how you kept the onboarding under 60 seconds without scaring off the compliance gods.
A
Amina O.Sep 10, 2026
Self-custodial and lending in the same sentence usually makes regulators reach for coffee. Which jurisdictions are you live in today?
K
kostyaSep 10, 2026
Four verbs in the pitch (buy, borrow, earn, spend) is one verb too many for a launch tweet. Pick a hero, the rest are features.
L
Lindiwe M.Sep 10, 2026
The orange circle at the end of the first line is doing a lot of branding work. Respect.
J
Jaeson P.Sep 10, 2026
Tweet copy is clean but where's the 15 second demo reel? App Store launches without a loop video leave 40% of the dopamine on the table.
M
Marco BeltránSep 10, 2026
Bitcoin backed loans are a beautiful margin business until BTC has a bad Tuesday. What's the LTV threshold before liquidation kicks in?
D
Dr. Raven O.Sep 10, 2026
Would be curious what oracle you're pulling BTC price from for the collateral checks. That choice quietly determines whether users get wrecked in volatility spikes.
H
Hassan QureshiSep 10, 2026
Any public API for the borrow flow, or is this purely a consumer app right now? Would love to poke at rate limits before I get too excited.
Y
Yuki T.Sep 10, 2026
$10k FCFS prize is a solid hook but the tweet buries it in line 4. That should be your opener, not your PS.
B
borisSep 10, 2026
Every cycle we get a new 'bitcoin bank in your pocket'. Every cycle I download one. Fine, downloading.
Z
zenoSep 10, 2026
A wallet that lets you spend the money you borrowed against the money you're holding is either genius or a slow-motion margin call. Probably both.
C
Chidinma A.Sep 10, 2026
Building something adjacent in the stables-yield lane and honestly this is a cleaner wrapper than what I had planned. Rude of you.
T
Tomás L.Sep 10, 2026
The liquidation UX is where 90% of these apps die. If you nailed that, this is actually interesting.
M
manuSep 10, 2026
How big is the team that shipped this? Asking because if it's under 6 people I owe my therapist another appointment.
V
Veena S.Sep 10, 2026
Third bitcoin-backed loan app I've seen launch this quarter. Yours is the first one whose landing page didn't take 8 seconds to load, so, edge.
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Sats Terminal is a self-custodial iOS app for Bitcoin holders who want to do more than hold. From one wallet, users can buy BTC, borrow stablecoins against it, earn yield on idle USDC, and spend through a linked crypto card, without handing over custody or completing KYC. Behind the scenes it aggregates lenders to find low rates and handles the bridging and smart contracts , and on the borrowing side it compares rates across Aave, Morpho and more alongside CeFi desks so users can see LTVs, fees, and settlement terms in one view before signing. The App Store launch matters because it packages what was previously a multi-app, multi-chain workflow into a single mobile experience aimed at Bitcoin-native users. It follows the company's rollout of Borrow, positioned as a Bitcoin borrowing marketplace combining CeFi and DeFi liquidity , and extends that aggregation logic across trading, yield, and spending. The launch promotion offers $10,000 in prizes to early users on a first-come, first-served basis. Sats Terminal was founded by Stanislav Havryliuk (CEO) and Rishabh Java (CTO) , with Stan previously working at Bitcoin.com and running an Eastern European exchange, and Java having built and sold prior startups. The company is backed by YZi Labs, Coinbase Ventures, and Draper Associates , with additional strategic investment from Gate Ventures.
Comments (15)
Self-custodial + borrow + spend in one app is a spicy combo. Curious how you kept the onboarding under 60 seconds without scaring off the compliance gods.
Self-custodial and lending in the same sentence usually makes regulators reach for coffee. Which jurisdictions are you live in today?
Four verbs in the pitch (buy, borrow, earn, spend) is one verb too many for a launch tweet. Pick a hero, the rest are features.
The orange circle at the end of the first line is doing a lot of branding work. Respect.
Tweet copy is clean but where's the 15 second demo reel? App Store launches without a loop video leave 40% of the dopamine on the table.
Bitcoin backed loans are a beautiful margin business until BTC has a bad Tuesday. What's the LTV threshold before liquidation kicks in?
Would be curious what oracle you're pulling BTC price from for the collateral checks. That choice quietly determines whether users get wrecked in volatility spikes.
Any public API for the borrow flow, or is this purely a consumer app right now? Would love to poke at rate limits before I get too excited.
$10k FCFS prize is a solid hook but the tweet buries it in line 4. That should be your opener, not your PS.
Every cycle we get a new 'bitcoin bank in your pocket'. Every cycle I download one. Fine, downloading.
A wallet that lets you spend the money you borrowed against the money you're holding is either genius or a slow-motion margin call. Probably both.
Building something adjacent in the stables-yield lane and honestly this is a cleaner wrapper than what I had planned. Rude of you.
The liquidation UX is where 90% of these apps die. If you nailed that, this is actually interesting.
How big is the team that shipped this? Asking because if it's under 6 people I owe my therapist another appointment.
Third bitcoin-backed loan app I've seen launch this quarter. Yours is the first one whose landing page didn't take 8 seconds to load, so, edge.