The yearly interest rate charged on a loan, expressed as a percentage of the principal amount.
The yearly interest rate charged on a loan, expressed as a percentage of the principal amount. Lygos charges a flat 10% APR with $0 origination fees. There are no loyalty tiers, no token requirements, and no hidden conditions. Every borrower pays the same rate regardless of loan size, portfolio composition, or account history. This makes Lygos's cost fully transparent and easy to model. What you see is what you pay.
Annual Percentage Rate (APR) represents the annualized cost of borrowing, including interest and certain fees, expressed as a percentage. In Bitcoin-backed lending, APR is the primary cost metric for comparing platforms. However, advertised APRs can be misleading: some platforms quote introductory rates that require token holdings or loyalty tiers (Nexo), while others charge additional origination fees that effectively increase the true cost (Unchained charges 2%). When comparing lenders, the Total Effective Rate (APR plus all fees, amortized over the loan term) provides a more accurate comparison than headline APR alone.
Lygos charges a flat 10% APR with $0 origination fees. There are no loyalty tiers, no token requirements, and no hidden conditions. Every borrower pays the same rate regardless of loan size, portfolio composition, or account history. This makes Lygos's cost fully transparent and easy to model. What you see is what you pay.
You save up to
$30,900
vs most expensive option over 12 months
Loading live BTC price... $100,000
| Lygos | Ledn | Nexo | Unchained | |
|---|---|---|---|---|
| APR | 10% | 9.99–11.49% | 2.9%+ (loyalty tier dependent) | 14.18% |
| Origination Fee | $0 | 2% admin fee | See fee schedule | 2% |
| Min Loan | $50,000 | $500 | $50 | $150,000 |
Understanding Annual Percentage Rate (APR) is critical when comparing loan offers. This concept directly affects how much you pay, how much collateral you need, or what happens if market conditions change during your loan.
Starting at 10% APR, $0 origination fees, and DLC-secured collateral on the Bitcoin blockchain.