Borrow with Bitcoin
What to Know Before You Borrow Against Bitcoin, Part 1: Custody
Yash Belavadi4 min read
Product - Tech
Why Surge Built on Taproot
Most of Bitcoin remembers Taproot as a privacy and fee upgrade. That's the smallest version of the story - and the whole Surge credit architecture depends on the larger one.
Updates
Surge Public Beta Is Live
On April 27, 2026, Surge moved from private to public beta at Bitcoin 2026 Las Vegas - and the feedback that got us there was harder than the launch itself.
Borrow with Bitcoin
What to Know Before You Borrow Against Bitcoin, Part 3: LTV and Liquidation
Loan term decides everything on a mortgage. On a Bitcoin-backed line it decides almost nothing and 'Liquidation LTV: 80%' is really three separate decisions.
Yash Belavadi4 min read
Borrow with Bitcoin
What to Know Before You Borrow Against Bitcoin, Part 2: Rates and Fees
Most Bitcoin lending products sell you one number: the APR. Let's add up everything stacked behind it and watch the number move.
Yash Belavadi3 min readBorrow with Bitcoin
What to Know Before You Borrow Against Bitcoin, Part 1: Custody
Ask your lender where your collateral actually sits and whether it's pooled with everyone else's. Most borrowers never ask, because it doesn't matter until it does.
Yash Belavadi4 min read
Product - Tech
The Liquidation Leaf: The Hardest Part of Bitcoin Lending
Exit and Repayment are easy to feel good about. Liquidation is the leaf that actually determines whether a Bitcoin lending product is safe.
Yash Belavadi4 min read
Product - Tech
The Repayment Leaf: How Cooperative Spends Work on a Taproot Vault
The leaf most Vaults live and die by - two signatures, one vaultId, and a threshold network that is not a custodian.
Yash Belavadi4 min read
Product - Tech
NUMS: Nothing Up My Sleeve
How Surge shuts the Taproot key-path backdoor with a key nobody can sign for - and why that's the difference between 'we won't move your coins' and 'we can't.'
Yash Belavadi3 min read
Product - Tech
What Happens to Your Bitcoin If We Disappear?
A technical deep dive into the Unilateral Exit leaf - where 'non-custodial' stops being a claim and becomes something Bitcoin itself enforces.
Yash Belavadi4 min readProduct - Tech
Why Surge Built on Taproot
Most of Bitcoin remembers Taproot as a privacy and fee upgrade. That's the smallest version of the story - and the whole Surge credit architecture depends on the larger one.
Yash Belavadi4 min readUpdates
Surge Public Beta Is Live
On April 27, 2026, Surge moved from private to public beta at Bitcoin 2026 Las Vegas - and the feedback that got us there was harder than the launch itself.
Yash Belavadi4 min readWe build in the open.
Come talk to us.
Questions about the product, the protocol, or working together. We're happy to chat.