Type
- LYGOS
- Loan (bilateral, 1 lender : 1 borrower)
- SURGE
- Credit Line (pooled market)
Compare Surge
Credit with..
$100$1,000,000
| Factor | Lygos | Surge Credit |
|---|---|---|
| Lending | ||
| Type | Loan (bilateral, 1 lender : 1 borrower) | Credit Line (pooled market) |
| Interest Rate | ~10% APR (negotiated, 0–15% range) | From 6.9% APR (Variable) / 9.9% (Fixed) |
| Origination fee | None | None |
| Duration | Flexible, negotiated per deal | 12 months, rollover anytime |
| Terms | Repay anytime. Requires consultation to structure. | Repay any amount, anytime. Self-serve. |
| Fast access to funds | ~30 min after onboarding | ~30 min |
| LTV flexibility | ✓ 50–70% | 50% (expanding) |
| Globally accessible | ✓ | ✓ |
| KYC required | Yes | No |
| Bitcoin Custody | ||
| Custodian | Bitcoin (DLC 2-of-2 multisig) | Bitcoin (Taproot vault) |
| On-chain verifiable collateral | ✓ | ✓ |
| Segregated collateral | ✓ | ✓ |
| Bitcoin-native (no wrapping) | ✓ | ✓ |
| Zero rehypothecation | ✓ | ✓ |
| Unilateral exit | 2-of-2 requires both parties to cooperate | ✓ |
Lending
Interest Rate
- LYGOS
- ~10% APR (negotiated, 0–15% range)
- SURGE
- From 6.9% APR (Variable) / 9.9% (Fixed)
Origination fee
- LYGOS
- None
- SURGE
- None
Duration
- LYGOS
- Flexible, negotiated per deal
- SURGE
- 12 months, rollover anytime
Terms
- LYGOS
- Repay anytime. Requires consultation to structure.
- SURGE
- Repay any amount, anytime. Self-serve.
Fast access to funds
- LYGOS
- ~30 min after onboarding
- SURGE
- ~30 min
LTV flexibility
- LYGOS
- ✓ 50–70%
- SURGE
- 50% (expanding)
Globally accessible
- LYGOS
- ✓
- SURGE
- ✓
KYC required
- LYGOS
- Yes
- SURGE
- No
Bitcoin Custody
Custodian
- LYGOS
- Bitcoin (DLC 2-of-2 multisig)
- SURGE
- Bitcoin (Taproot vault)
On-chain verifiable collateral
- LYGOS
- ✓
- SURGE
- ✓
Segregated collateral
- LYGOS
- ✓
- SURGE
- ✓
Bitcoin-native (no wrapping)
- LYGOS
- ✓
- SURGE
- ✓
Zero rehypothecation
- LYGOS
- ✓
- SURGE
- ✓
Unilateral exit
- LYGOS
- 2-of-2 requires both parties to cooperate
- SURGE
- ✓
Thinking about switching?
Whether you're exploring alternatives, planning a migration, or just want to understand the differences - we're happy to talk.