SALT Lending | Bitcoin & Crypto-Backed Loans
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Latest posts
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Uptober Came Up Short. Is Moonvember Next? What Bitcoin’s Seasonality Data Means for Borrowers
Short answer: “Uptober” and “Moonvember” are crypto nicknames for Bitcoin’s historically strong October and November returns. The history is real, but it is not a forecast. As of October 30, 2026, Bitcoin was trading near $77,000, down more than 7% from a month earlier with one…
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How to Buy a Car With Bitcoin: Pay in BTC, Sell, or Borrow Against It?
There are three ways to use Bitcoin to buy a car: pay the dealer in BTC, sell your Bitcoin and pay in cash, or borrow against your Bitcoin and pay in cash. In the U.S., the first two are both taxable sales, so you may owe capital gains tax on any growth. Borrowing against your…
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Gifting Bitcoin This Holiday Season: U.S. Gift Tax Limits, Cost Basis, and Alternatives to Selling
Under U.S. federal tax rules, giving Bitcoin as a gift is not a taxable sale for the person giving it. In 2026, you can give up to $19,000 worth of Bitcoin to any one person without filing a gift tax return, and married couples can give $38,000 per recipient by electing gift…
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SALT Shield® vs. Stabilization: Which Downside Protection Fits Your Bitcoin Loan?
Short answer: SALT Shield® and Stabilization both help keep your bitcoin from being sold in a market crash, but they work in very different ways. SALT Shield® is protection you put in place up front. It is designed to eliminate margin calls and forced liquidations for the rest…
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Using a Bitcoin-Backed Loan for Debt: How to Pay Off Credit Card Debt Before the Holidays
Short answer: A bitcoin-backed loan lets you pay off high-interest credit card balances using a loan secured by your BTC, without selling it. Because the loan is secured, rates are typically far lower than credit card rates. Card accounts carrying a balance averaged 22.15% APR…
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Which States Allow Bitcoin-Backed Loans? A State-by-State Guide to Where SALT Lends
Short answer: As of October 2026, SALT offers bitcoin-backed loans in 47 U.S. states plus Washington, D.C., along with Puerto Rico, the Northern Mariana Islands, and nine other countries. The three U.S. states not currently on SALT’s lending list are New York, North Dakota, and…
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Crypto Tax-Loss Harvesting in 2026: Wash Sale Rules, Deadlines, and Staying in Bitcoin
Crypto tax-loss harvesting means selling digital assets that are worth less than you paid so the realized loss can offset capital gains on your tax return. Under current federal law, the wash sale rule does not apply to crypto you hold directly, so a loss can generally be…
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SALT Is Now Licensed in Maryland: Bitcoin-Backed Loans for Maryland Residents
SALT Lending LLC now holds a Maryland Consumer Loan license under NMLS ID 1711910, issued under the Maryland Consumer Loan Law and overseen by the Maryland Commissioner of Financial Regulation. Maryland residents can apply for loans backed by Bitcoin and other supported digital…
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Year-End Write-Off Without Selling Bitcoin: Section 179 and Year-End Equipment Purchases
Yes, a business can finance qualifying equipment with a Bitcoin-backed loan and still claim the Section 179 deduction. For tax years beginning in 2026, Section 179 lets a business deduct up to $2,560,000 of qualifying equipment in the year it is placed in service, with the…
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Bitcoin-Backed Loans for Real Estate: How BTC Holders Are Buying Property Without Selling
For years, most Bitcoin holders thought about their BTC primarily as an investment or long-term store of value. That is beginning to change. As Bitcoin becomes more widely held and integrated into the financial system, more individuals and businesses are discovering another…