TL;DR — Liquidium Instant Loans (Ordinals & Runes)
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What it is:
Instant Loans lets users borrow BTC immediately using Bitcoin-native assets (Runes or Ordinals) as collateral, without waiting for manual lender approval.
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How it works:
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Lenders deposit BTC into “vaults” (1-of-2 multisig): they hold one key, the protocol (ICP activation layer) holds the other.
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They create offers with terms like interest, LTV, duration, max LTV safety thresholds.
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Borrowers pick an offer, lock Runes or Ordinals as collateral, sign, and receive BTC (often within ~10 minutes once the block confirms).
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If they repay: collateral returns; if they default: collateral goes to the lender.
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Security & Architecture Highlights:
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Vaults are 1/2 multisig: you always retain control over your collateral.
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Loan activation uses an ICP signing layer with threshold signing (MPC / TSS) for secure authorization.
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On-chain verification of collateral & pricing via ICP native indexer (Omnity Network), plus oracles (e.g. Chainsight).
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Why it matters:
Users can unlock liquidity fast from Ordinals/Runes without selling. Lenders get more capital efficiency (partial fills, less idle BTC). It’s non-custodial, fast, leveraging BTC-native infrastructures.
Link to Instant Loans for Ordinals Blog Post: Instant Loans for Ordinals: Unlock BTC in Seconds - Liquidium | Bitcoin Lending
Feedback and suggestions are welcome.
Greetings,
Robin & Liquidium Team
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