Strike Launches Volatility-Proof Bitcoin Loans With 6-Month Terms and 45% LTV, No Price Liquidations

Strike launched volatility-proof bitcoin loans on July 7, 2026, according to founder Jack Mallers. The product lets borrowers keep their bitcoin collateral regardless of price movement, as long as they maintain payments.

Initial loan-to-value is capped at 45% compared to 50% on Strike's standard loans. Terms run six months instead of twelve, with interest rates between 10.44% and 14.2% APR, roughly 2.95% higher than standard rates. Borrowers cannot retrieve collateral mid-term. The product is unavailable in California, New York, and Texas. If a borrower misses payments, a 10-day grace period applies before Strike can sell collateral to cover amounts owed. Mallers clarified the distinction on X: 'That's why we call it volatility-proof, not liquidation-proof.'