TL;DR
- Save your Loan Receipt before sending collateral.
- If Liquidium’s website is unavailable, the receipt is what matters most. It includes the loan details you need, including the supply address, repay address, refund address, and loan ID.
- The basic rules are simple:
- Repay by sending the borrowed asset to the repay address.
- Add collateral by sending more collateral to the supply address.
- Partial repayment or added collateral can lower LTV, but collateral is only returned after full repayment.
- Always send the correct asset on the correct network.
Liquidium Instant Loans are meant to make Bitcoin-backed borrowing easier, but the important questions usually come after the basic flow.
What happens if the website is down? Can you still repay? Can you add more collateral? When does your BTC get returned?
This FAQ focuses on those harder questions. For the full product walkthrough, read Liquidium’s guide to Instant Bitcoin Loans.
What should I save before opening a Liquidium Instant Loan?
Save your Loan Receipt before funding the loan.
That receipt contains the addresses and loan details you may need later. Keep a copy somewhere safe, especially if you plan to manage the loan without relying on the website being available.
If the site is available and you need to find your loan again, you can look it up using the Loan ID, a related loan address, or a transaction ID. Still, the cleanest option is to save the receipt before you send any BTC.
For the full flow, see the Liquidium Instant Loan docs.
If the website is offline, can I still repay my loan?
Yes, as long as you saved the repay address.
To repay a Liquidium Instant Loan, send the borrowed asset to the repay address tied to that loan. If you borrowed USDT, repay in USDT. If you borrowed USDC, repay in USDC.
The website helps you view the loan and check the latest repayment details. But the repayment address itself is the key piece of information.
There are two things to watch. First, interest accrues over time, so the full repayment amount can change. Second, the repayment needs to confirm and finalize on-chain before it counts. You can read more in Liquidium’s repayment docs.
What happens to my collateral after I repay?
Your collateral is returned after the loan is fully repaid.
Partial repayment can lower your debt and improve the health of the loan, but it does not unlock your BTC. The collateral stays locked while the loan is still open.
Adding collateral gives the loan more room. Partial repayment lowers the debt. Full repayment closes the loan and unlocks the collateral.
Can I partially repay my Liquidium Instant Loan?
Yes. You can partially repay by sending some of the borrowed asset to the repay address for that loan.
A partial repayment lowers your outstanding debt and can improve your LTV. That gives the loan more room if BTC moves against you and can reduce liquidation risk.
It does not close the loan, and it does not release your BTC. Your collateral stays locked until the full remaining balance is repaid and the repayment is confirmed.
If the website is unavailable, use the repay address from your saved Loan Receipt. Make sure you send the same asset you borrowed, on the correct network.
Can I improve my LTV while the website is offline?
Yes, if you have the saved loan details.
You can improve LTV in two ways: add more collateral to the supply address or partially repay the borrowed asset to the repay address.
Adding collateral increases the value backing the loan. Partial repayment reduces the debt. Both can lower LTV.
This matters most during volatile BTC moves, when a loan can get closer to liquidation faster than expected.
Can I send more collateral to the same address?
Yes. For an Instant Loan, the supply address is tied to that specific loan.
If you want to add collateral, send more of the collateral asset to the same supply address shown in your Loan Receipt.
Do not use an address from another loan. Do not guess. Use the exact address from the saved receipt.
Does adding collateral unlock my BTC?
No.
Adding collateral can lower LTV, but it does not close the loan. Your BTC is only returned after the full repayment amount is paid.
This is an important distinction. Adding more BTC can make the loan safer, but it also means more BTC is now part of the collateral position.
What happens if I send the wrong asset or use the wrong network?
Funds may be lost.
If the loan says to repay USDT, do not send BTC. If the loan uses a specific network, do not use a different one. If you have multiple loans, make sure you are using the address from the correct Loan Receipt.
This is the easiest mistake to avoid. Check the asset, network, and address before sending.
What if I lose my Loan Receipt?
If the website is available, you may be able to find the loan using your Loan ID, one of the loan addresses, or a related transaction ID.
But that should be a backup plan. The better habit is to save the receipt before funding the loan.
If you are using Bitcoin-backed loans because you care about self-custody and control, treat the Loan Receipt as part of the transaction.
How does the underlying tech work?
Liquidium uses Chain Fusion, canisters, threshold cryptography, and decentralized canister vaults to support native asset lending without relying on the typical wrapped-asset bridge model.
The short version: Liquidium’s design allows Internet Computer canisters to interact with assets like BTC and ETH through decentralized signing infrastructure. No single node holds the full private key used to sign transactions.
For a deeper explanation, read Liquidium’s blog on Chain Fusion security and cross-chain DeFi or the technical docs.
Is Liquidium sustainable as a product?
Liquidium.fi is newer, but Liquidium is not starting from zero.
Liquidium expanded from its earlier Bitcoin lending product into cross-chain lending for native Bitcoin and Ethereum assets. The older Liquidium product has operated for years and processed significant lending volume.
That said, users should not judge a lending protocol only by company history or funding. The practical questions matter more: how collateral is handled, how repayment works, what happens during liquidation, and whether users can still act using their saved loan details if the website is unavailable.
Before you borrow
Save your Loan Receipt. Check the repay and supply addresses. Make sure you understand which asset and network the loan uses.
Most mistakes come from rushing: sending the wrong asset, using the wrong network, mixing up loan addresses, or waiting too long when LTV is getting close to liquidation.
Liquidium Instant Loans are designed to make Bitcoin-backed borrowing easier, but the details still matter. Save the receipt, use the right address, and repay with the right asset.
This is for Bitcoin holders who care about custody, signing safety, and minimizing hot-wallet exposure, while Liquidium provides a simpler way to borrow against BTC by keeping the process clear.
Start now: https://app.liquidium.fi/
This article is for educational purposes only and is not financial advice.
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