SwapSo · Bitcoin on EMIs

Step‑by‑step MVP: loan setup → stress scenarios → what you actually walk away with.

BITCOIN · ON · EMIS

Live BTC/INR ₹0

Step‑1 · Loan process

Flow MVP · Not a loan offer

Plan size (Bitcoin you want to buy) ?

INR

Think in total value. We’ll derive loan = plan size − upfront.

Live Bitcoin price (₹) ?

Upfront / downpayment (%) ?

of plan size

Loan duration ?

Step‑2 · Scenario selection

Crash test + behaviour in stress

Stress‑test crash price (₹) ?

Behaviour in stress ?

Liquidation All‑in / all‑out

If LTV hits the limit, the vault sells your BTC to repay the loan. Clean & simple, but a deep crash can leave you with zero BTC.

Penalty Softer landing

For every 5% LTV above 100%, ~1% of BTC is taken as penalty so a liquidity partner can top up and push LTV down. You keep the remaining BTC stack.

Step‑3 · Outputs

Plan maths · LTV curve · Crash comparison

1️⃣ Set your plan size, BTC price, upfront % and duration.
2️⃣ Choose a crash scenario and stress behaviour.
3️⃣ Hit “Step‑3 · See outputs” to see:

Your actual loan amount and BTC exposure.
SwapSo‑style interest rate derived from risk.
LTV decay month‑by‑month as you pay EMIs.
What happens if the market nukes your position.

Total BTC stack: 0 BTC

Plan size: ₹0

Upfront: ₹0

Loan (financed): ₹0

Interest (derived): 0% p.a.

Monthly EMI ₹0

Initial LTV (loan ÷ BTC value) 0%

BTC entry price used ₹0

Tenure 0 months

LTV projection if price stays flat

We assume BTC stays at your entry price and you never miss an EMI. The line shows how your leverage silently melts away over the tenure.

Crash test — no crash price set

At the crash price you entered, we compare what you walk away with in Liquidation vs Penalty mode.

Liquidation mode

Crash LTV –

BTC value at crash –

What you keep after closing loan –

Penalty mode

Crash LTV –

Extra LTV above 100% –

BTC penalty applied –

BTC value you still keep –

LP cover required (approx) –

LTV zones · when you can chill vs when you must act

Narrative for decks & demos

This MVP is not about backend details – it’s about letting people feel what “Bitcoin on EMIs” means: how much BTC they get today, how leverage decays, and what happens in the worst‑case candles.

Step‑1 · Loan process

User picks a plan size (e.g., 100K), chooses how much upfront they want to put (min 20%), and selects a tenure. The flow converts this into:

Actual loan amount (e.g., 100K plan with 20% upfront → 80K loan).
Total BTC stack based on the live BTC/INR price.
Initial LTV = loan ÷ BTC value at entry.

Step‑2 · Scenario selection

Now the user picks a crash price and chooses the default behaviour in stress: Liquidation or Penalty. This doesn’t just feel like numbers – it’s an explicit “how do you want this loan to behave when things go wrong?” choice.

Step‑3 · Output

The right‑hand panel then gives a clean story:

SwapSo‑style derived interest rate based on risk (upfront % and tenure).
EMI amount and how LTV decays over time if price stays flat.
Crash comparison: what you walk away with in Liquidation vs Penalty mode.
Which LTV zones are “chill”, and which zones demand action.

Perfect for putting next to a pitch, product one‑pager, or a live demo where you narrate Karan’s 100K example and literally show the curve.