Gregory Pudovsky
Printed: January 16, 2026 at 1:30 am Up to date: January 16, 2026 at 1:30 am
In Temporary
A wallet-first, non-custodial option to borrow towards bitcoin, with clear mortgage phrases and side-by-side comparisons, now together with Morpho as a DeFi borrowing possibility.
Sats Terminal right this moment introduced the combination of Morpho into Borrow by Sats Terminal, including Morpho as a brand new decentralized finance (DeFi) borrowing possibility inside its bitcoin borrowing interface.
The mixing permits customers to entry stablecoin liquidity utilizing bitcoin as collateral by Morpho, instantly from the Borrow interface. Customers can evaluation key mortgage particulars, together with loan-to-value (LTV), rates of interest, charges, collateral necessities, and liquidation parameters, earlier than confirming from their pockets.
Sats Terminal stays non-custodial on the interface. Customers signal transactions instantly from their pockets, whereas borrowing exercise is executed with the underlying protocol. Centralized and decentralized borrowing choices are introduced aspect by aspect, giving customers a clearer view of trade-offs earlier than committing.
Increasing DeFi borrowing on Borrow
Bitcoin-backed borrowing has traditionally been fragmented, with customers navigating separate platforms, inconsistent terminology, and opaque phrases. By integrating Morpho, Sats Terminal expands the set of DeFi borrowing choices accessible inside Borrow whereas sustaining a constant, clear consumer expertise.
From a single interface, customers can now:
evaluate DeFi borrowing choices
evaluation mortgage phrases earlier than signing
borrow with out promoting their bitcoin
stay in command of their keys all through the method
The Morpho integration displays how the market operates right this moment, supporting bitcoin-native flows the place doable and wrapped BTC the place required, whereas making these mechanics specific to the consumer.
How the Morpho integration works
When borrowing through Morpho on Sats Terminal, bitcoin is wrapped and bridged to EVM, the place it’s used as collateral on the Morpho protocol. Borrowed stablecoins are issued instantly by Morpho and delivered to the consumer’s pockets.
All steps are dealt with by Borrow’s guided move, so customers don’t must handle bridging, protocol interactions, or good contracts themselves.
Why Morpho
Launched in 2022, Morpho has shortly grow to be one of the vital broadly used lending protocols in DeFi. On the time of writing, it leads DeFi lending by month-to-month lively customers, accounting for 44% of MAU share, and secures a number of billions of {dollars} in complete worth locked (TVL).
Morpho is designed to function decentralized finance within the background whereas customers work together by acquainted, intuitive interfaces. Because of this, hundreds of thousands of customers entry Morpho by large-scale integrations throughout the crypto ecosystem.
Current milestones embody:
#1 DeFi lending protocol by month-to-month lively customers (44% MAU share)
$1B+ in lively loans through the Coinbase integration, with practically $500M in USDC incomes yield
Person progress from 67,000 to 1.4M customers in 2025 alone
By integrating Morpho into Borrow, Sats Terminal offers bitcoin holders entry to a DeFi lending layer that’s already confirmed at scale, whereas preserving a transparent, wallet-first, non-custodial borrowing expertise.
Remark from Sats Terminal
“Borrow by Sats Terminal is about making Bitcoin borrowing simpler to know and simpler to match”, stated Stan Havryliuk, CEO and co-founder of Sats Terminal. “Integrating Morpho provides a powerful DeFi choice to Borrow and offers customers one other clear option to entry liquidity utilizing their bitcoin, all with out leaving the interface or giving up management of their keys.”
About Sats Terminal
Sats Terminal is a Bitcoin-native borrowing and buying and selling platform that brings collectively centralized and decentralized liquidity by a single, wallet-first interface. Borrow by Sats Terminal permits customers to match BTC-backed borrowing choices throughout a number of venues with clear visibility into phrases earlier than signing.
Sats Terminal is backed by YZi Labs, Coinbase Ventures, and Draper Associates.
Go to borrow.satsterminal.com
Disclaimer
This announcement is for informational functions solely and doesn’t represent monetary, authorized, or tax recommendation. Borrowing includes danger, together with potential liquidation or lack of funds. Sats Terminal is non-custodial on the interface; underlying protocols might contain further dangers. Customers are chargeable for compliance with native laws.
Disclaimer
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About The Writer
Gregory, a digital nomad hailing from Poland, just isn’t solely a monetary analyst but in addition a beneficial contributor to numerous on-line magazines. With a wealth of expertise within the monetary business, his insights and experience have earned him recognition in quite a few publications. Utilising his spare time successfully, Gregory is presently devoted to writing a ebook about cryptocurrency and blockchain.
Extra articles
Gregory, a digital nomad hailing from Poland, just isn’t solely a monetary analyst but in addition a beneficial contributor to numerous on-line magazines. With a wealth of expertise within the monetary business, his insights and experience have earned him recognition in quite a few publications. Utilising his spare time successfully, Gregory is presently devoted to writing a ebook about cryptocurrency and blockchain.
