Use Your Bitcoin As Collateral and Unlock cash Flow
Jack Mallers Launches Bold Bitcoin Lending and Public Company to Bridge Crypto and Traditional Finance
In a move that could reshape the crypto lending landscape, Jack Mallers—CEO of Strike and now co-founder of a new Bitcoin-native public company—has introduced two significant ventures aimed at bringing Bitcoin into mainstream financial markets with integrity, security, and long-term vision.
Strike Lending: Borrow Without Selling Your Bitcoin
Mallers’ latest innovation at Strike introduces a Bitcoin lending product that allows users to borrow cash against their BTC holdings without selling—starting at a 50% loan-to-value (LTV) ratio and 12% APR. Clients can choose between monthly interest payments or a maturity-based structure at 13% APR.
What truly sets this product apart? No rehypothecation. Unlike many lending platforms that re-use client assets to seek yield elsewhere (often exposing users to systemic risks), Strike ensures that your Bitcoin collateral remains untouched and dedicated to your loan only.
From handling medical emergencies to funding new BTC purchases, Strike Lending is tailored for individuals who want liquidity without triggering capital gains taxes. It’s a secure way to access funds while preserving long-term Bitcoin positions.
Enter 21: The Public Bitcoin Company Built for Capital Markets
Beyond Strike, Mallers has unveiled 21—a groundbreaking public company co-founded with Tether. With over 42,000 BTC in its treasury and a planned listing under the ticker XXI, 21 is poised to become a pure Bitcoin-native enterprise. It’s not just a treasury play—21 is designed to build Bitcoin-centric revenue models, including financial services and lending, that go far beyond simply holding BTC.
21 will become publicly listed through a SPAC merger with Caner Equity Partners, offering investors something the market has long lacked: a large, growth-ready company fully committed to the Bitcoin ecosystem.
A Mission to Democratize Bitcoin Finance
Mallers remains clear in his mission: Strike and 21 are separate companies, but they share a common goal—to unlock Bitcoin’s full potential in everyday finance and global capital markets. He argues that the Bitcoin protocol belongs to everyone, not just early adopters or retail holders. Institutions, including even giants like BlackRock, are part of the evolution—not the problem.
He urges the Bitcoin community to welcome this growth. “You don’t have to sell your Bitcoin,” Mallers says. “Let it work for you. And yes, institutions are welcome.”
Why It Matters for Investors
As traditional fiat systems continue to experience instability, inflation, and excessive leverage, Mallers believes Bitcoin stands at the center of a coming monetary transformation. These two ventures—Strike Lending and 21—are built to ride that wave and offer structured, secure entry points into the emerging $2 trillion Bitcoin financial services market.
FortacoFinoy Insight:
At FortacoFinoy, we commend innovations like these that empower users to unlock value without liquidation, protect assets through transparency, and expand access to the future of finance. As we continue leading regulated, high-performance investment opportunities worldwide, we remain aligned with efforts that put long-term trust and sustainability first.
Stay tuned to FortacoFinoy News for more updates on Bitcoin-native financial innovations and how global trends may shape your next investment decision.
