# Reserve

> Borrow against your Bitcoin. Never sell.

Reserve lets Bitcoin holders access USD or GBP liquidity by depositing Bitcoin as collateral without selling their holdings.

Reserve is a Bitcoin-backed lending service for long-term Bitcoin holders who need liquidity without selling their assets. Users can deposit Bitcoin as collateral at a 50% loan-to-value ratio and receive USD or GBP funds within 48 hours, repaying at any time without penalties. The platform also connects institutional lenders with Bitcoin-backed loans, offering fixed yield with collateral held in segregated custody.

- Type: Company
- Sector: Finance
- Status: Announced
- Profile: https://thegrid.id/profiles/reserve

## Products

- [Reserve](https://thegrid.id/profiles/reserve): Reserve is a centralized Bitcoin-backed lending platform that facilitates USD and GBP loan disbursement against BTC collateral held in segregated custody. The platform maintains a defined LTV ratio with automated margin call monitoring and graduated liquidation thresholds. Lenders provide capital, earn annual yield, and retain the option to receive BTC settlement on liquidation events. Collateral custody is handled via multi-signature providers with no rehypothecation of client assets. (Centralised Borrowing & Lending, Early access, Main Product)

## Links

- [Main](https://www.reservebtc.co)
- [Blog](https://www.reservebtc.co/blog)
- [Terms of Service](https://www.reservebtc.co/legal/terms)
- [Privacy policy](https://www.reservebtc.co/legal/privacy)
- [Twitter / X](https://x.com/btcreserveco)

## Legal

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Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP