Borrow fiat to buy BTC

As seen on Xitter: https://x.com/bitmundfreud/status/1915119898499448983

“What if you could turn the banks’ own game against them, borrow their fiat to buy Bitcoin?

It’s a bold move, and when I asked X, “Is it wise to borrow money to invest in Bitcoin?” almost 350 replies poured in, each a lesson in navigating this high-stakes choice.

I’d just checked my bank’s site and was stunned: a £35,000 personal loan, offered in minutes with a few clicks, no deep questions about my goals - including holiday or home renovations. It got me thinking, could this debt stack sats instead?

The people shared diverse takes. Real moves:

Alex - $30k on 0% credit cards, 18 months. Bitcoin’s up 40%. Debt paid off early.

Ron - $100k loan, $1,113/month. $85k cost basis now worth $93k+.

Chris - sed a 0.99% balance transfer, 16 months at 3% flat, with vehicle equity as a safety net.

Pros? Low-rate debt (0–10%) lets you buy Bitcoin, historically up much more annually since 2010.

Cons? Volatility, like the recent $74,000 dip, risks forced sales if payments strain you.

Over-leveraging or swing trading can wipe you out, and some argue debt clashes with Bitcoin’s ethos, favouring DCA instead.

My take: It’s situational. Low rates, financial stability (no high-interest debt, emergency fund), and a 5–10-year horizon make it viable, but only if you can HODL through dips. That £35,000 loan tempts me to stack sats, but probably I'll start with £2,000-£5,000. Otherwise, I’ll DCA and sleep easy.

Weigh your risks, and choose your path.”