Introduction

Liquidium is a native cross-chain lending protocol designed to unlock liquidity without compromise. Unlike traditional bridges that rely on wrapped assets and central custodians, Liquidium leverages Chain Fusion technology to let you supply native Bitcoin and borrow stablecoins (USDT) or Ethereum (soon) directly.

Whether you are lending BTC, borrowing USDT, or using ETH-based liquidity paths, it all happens through one secure app experience.

Step 1: Connect & Create Your Profile

Liquidium eliminates the friction of traditional sign-ups. We use Wallet-Based Authentication, which means you don’t need a username, password, or KYC to get started. Your wallet acts as your secure login.

1. Launch the App

Visit https://liquidium.fi/, launch the app and click the “Sign in” button

2. Select your wallet

Choose the wallet that holds the assets you want to use. We support the leading non-custodial wallets for both chains:

For Bitcoin: Unisat, Xverse, OKX Wallet, Phantom
For Ethereum: MetaMask, Rabby, Phantom

Unlike standard dApps that treat every wallet as a separate user, Liquidium creates a User Profile for you.

Think of this profile as your cross-chain command center. You can link multiple wallets (e.g., your Xverse Wallet for BTC and your Metamask wallet for ETH) to this single profile.

This allows you to view your entire portfolio, manage the collateral on Bitcoin, and monitor loans on Ethereum—all from one unified dashboard.

If you prefer not to use your hot wallet, you can deposit Bitcoin from a CEX or Ledger to a generated deposit address. That Bitcoin deposit address is automatically linked to your User Profile to deposit funds.

In that case, your hot wallet is only needed to created the user profile.

Step 2: Supply Liquidity

You can supply liquidity for any supported asset (BTC, USDT, or ETH (soon)) using the same simple process.

While we use Bitcoin in this example, the steps remain identical for stablecoins or Ethereum assets.

1. Navigate to Supply

Click the Supply tab and select the asset you wish to lend (e.g., BTC or USDT).

Enter Amount: Type in the exact amount you wish to supply.

Tip: You can also click the "Max" button to supply your entire available balance.

2. Review Pool Metrics

After entering the amount of the desired asset you are going to supply to the pool, e.g., Bitcoin, you’ll see several key metrics:

Supply APY

This is the current annual percentage yield you earn for supplying the asset.

The rate increases when:

Pool utilization rises
Market demand increases
Available liquidity decreases

Note: Rates are variable and update dynamically based on pool utilization and market conditions.

Portfolio Health

The portfolio health reflects the overall safety of your borrowing positions.

Here, you’ll see how your portfolio health changes after supplying liquidity.

Portfolio Health may be shown as a decimal (for example 1.5) or percentage (for example 150%), depending on your settings.

Higher portfolio health means lower liquidation risk, so keep a strong safety buffer.

Points Earned

This displays the number of points you generate by fulfilling this specific action.

Fee Rate

This indicates the network fee you decide to pay for blockchain processing.

Higher fees generally result in faster transaction confirmation.

3. Choose Your Deposit Method

Connected Wallet: The app initiates the transaction for you — simply review and sign the request in your wallet pop-up (e.g., Xverse or MetaMask).
External Transfer: Use the generated Deposit Address to send funds manually from a cold wallet or exchange without connecting directly. This flow applies for native assets aswell as for chain-key assets.

Note: To supply ck (chain-key) assets, you have to change your settings to get your deposit ck deposit address.

4. Confirm & Finalize

Once you are ready, confirm the transaction via your connected wallet (e.g., Xverse, Phantom) or send funds manually to your Deposit Address from an exchange or cold wallet.

After broadcasting, your transaction enters a security phase. All blockchains require a specific number of block confirmations to prevent "reorgs"—temporary network events where recent blocks could be reordered.

For Bitcoin: The industry standard is 6 confirmations (approximately 60 minutes). This ensures your deposit is mathematically irreversible before it is credited to the pool.
For Other Chains: Faster chains (like Ethereum or Solana) require fewer confirmations, allowing for quicker settlement.

You don’t need to guess when your funds arrive. Monitor the exact status of your deposit—including the live confirmation count—directly in your Pending Tab or the Portfolio Dashboard.

Once finalized, your assets automatically enter the pool and begin earning real-time interest immediately.

Step 3: Borrow USDT – Get Stablecoin Liquidity

Unlock the value of your Bitcoin without selling it. By borrowing stablecoins against your BTC collateral, you gain immediate liquidity for trading, yield farming, or expenses.

1. Navigate to Borrow

Click the Borrow tab and select the asset you want to receive (e.g., USDT).

2. Enter Loan Amount

Type in the amount of USDT you wish to borrow.

Visual Check: As you type, watch the Portfolio Health bar. It updates in real-time.

Keep this bar green (high percentage) to ensure your position remains safe from liquidation.

2. Review Loan Metrics

Before confirming, check the key data points displayed on your dashboard:

Borrowing APR: The annualized interest rate you will pay. This is variable and adjusts based on pool utilization.
Portfolio Health: Your safety score. A higher percentage (closer to 100% or above) means lower risk.
Points Earned: The reward points you accumulate for active participation in the protocol.
Positions Balance: Your total position value (Collateral minus Debt).

3. Sign & Confirm

Click Borrow and sign the transaction in your wallet.

Your Bitcoin collateral is securely locked, and the requested USDT is sent either directly to your Ethereum wallet or to your destination address, e.g., cold wallet or CEX.

You can now use this stablecoin liquidity for trading, yield farming, or expenses — without selling your supplied asset.

Key Features That Power Users Love

Cross-Chain Lending

Supply native BTC, borrow native ETH or stablecoins, or go the other way around — all in one unified interface.

Non-Custodial Design

Liquidium never touches your funds. Canisters (smart contracts) govern the process, and your keys stay with you.

Clean and Intuitive UI

Designed for speed and simplicity, the app makes navigating loans and collateral effortless — even for multi-chain DeFi.

Institutional-Grade Transparency

Every transaction is verifiable on-chain, secured by transparent smart contract infrastructure.

Instant Liquidity Access

Borrowers receive funds the moment their loan is approved — no matching delays, no intermediaries, just instant pool liquidity.

Final Thoughts

Liquidium makes it easy to bring your Bitcoin and Ethereum assets into the world of DeFi. Whether you're lending BTC, borrowing USDT, or any other tokens — it all happens through a seamless and secure app experience.

Our infrastructure has been independently audited by top-tier security firms and reviewed by independent security researchers, ensuring that our smart contract logic and Chain Fusion architecture meet the highest standards.

Dive into the world of native cross-chain finance at https://liquidium.fi/

Frequently Asked Questions (FAQ)

Is Liquidium custodial?

No. Liquidium is fully non-custodial. You always control your assets through your own wallets.

The protocol uses smart contracts and Threshold ECDSA cryptography to coordinate transactions, but Liquidium never takes custody of your funds or private keys.

Are ckAssets the same as wrapped tokens like wBTC?

No. ckAssets are not custodial wrapped tokens. Unlike wBTC, which relies on a trusted company holding BTC, ckAssets are protocol-level twins.

They are minted and burned by decentralized Chain Key cryptography, meaning there is no centralized issuer holding your funds.

How long does it take for BTC deposits to be confirmed?

Bitcoin deposits require 4 confirmations (approx. 40 mins), which is the industry standard to prevent blockchain reorganizations.

Once confirmed, your BTC is securely added to the pool and begins earning interest immediately.

What assets can I borrow and lend?

At launch, Liquidium supports lending and borrowing using Native BTC, ETH (soon), and USDT on Ethereum.

Solana and additional chains are coming soon.

Is Liquidium suitable for beginners?

Yes. While the protocol is built on advanced Chain Fusion infrastructure, the user experience is designed for simplicity.

Beginners can lend or borrow in just a few clicks, while advanced users can leverage deep liquidity and yield strategies.

How to Use Liquidium: The Guide to Native Cross-Chain Lending