Stephan Livera Podcast

Non-Custodial Bitcoin Lending Explained with Shehzan Maredia | SLP659

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May 13, 2025
Shehzan Maredia, the CEO and founder of Lava, a non-custodial Bitcoin lending platform, dives into the innovative world of borrowing against Bitcoin. He discusses how Lava prioritizes security and user experience with unique features like Discreet Log Contracts, offering cryptographic guarantees for borrowers. The conversation highlights the streamlined loan process, varying interest rates, and the importance of transparency in lending. Maredia also touches on shifting demographics within Bitcoin users and the potential impact of stablecoins on the lending landscape.
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INSIGHT

Non-Custodial Bitcoin Lending Advantage

  • Lava provides a non-custodial option for borrowing against Bitcoin, emphasizing security and cryptographic guarantees.
  • Users retain custody of their Bitcoin and avoid risks like rehypothecation common in traditional custodial lenders.
ADVICE

Simple Seamless Loan Process

  • Borrowers can easily take loans by locking Bitcoin in a smart contract without giving up custody.
  • Loan capital is disbursed instantly in stablecoins, which users can spend, withdraw, or swap with zero fees.
INSIGHT

Lessons From Lending Failures

  • Previous custodial lenders failed mainly due to rehypothecation and lack of transparency, causing massive loss of customer Bitcoin.
  • Lava's non-custodial model aligns with Bitcoin ethos by offering cryptographic collateral safety guarantees.
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