How the Rich Borrow Against Bitcoin Without Ever Selling | Shehzan Maredia

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Nov 3, 2025

Shehzan Maredia, Founder of Lava, shares insights into how wealthy Bitcoin holders are accessing liquidity without selling their BTC. He discusses the innovative lending solutions that allow individuals to buy homes and cars while preserving their assets. Real-life examples highlight the 'buy, borrow, die' strategy, showcasing how disciplined saving in Bitcoin creates wealth. Maredia also reveals Lava's seamless loan mechanics, customer success stories, and the future of Bitcoin-linked financial tools, emphasizing financial freedom through strategic borrowing.

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INSIGHT

Saving In Bitcoin Can Create Wealth

Bitcoin allows low-income savers to accumulate outsized wealth by consistently saving into it over time.
Shehzan highlights teachers and construction workers who became millionaires through disciplined Bitcoin stacking.

ANECDOTE

Cash Offer Bought The Dream House

A construction worker who couldn't qualify for a mortgage borrowed against his Bitcoin to make a cash offer and bought his dream house.
Using Lava let him secure a price discount and avoid being an "outcast" from traditional lenders.

INSIGHT

Buy, Borrow, Die Principle

Buy, Borrow, Die is the core strategy: hold your best savings asset and borrow against it rather than sell.
Borrowing preserves upside exposure and avoids taxable events, creating economic advantage.

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Shehzan Maredia is the Founder of Lava, a company building financial tools for Bitcoin holders who want to enjoy life without selling their BTC. In this conversation, we discuss how wealthy Bitcoiners are using innovative lending and credit solutions to buy homes, cars, and experiences — all while keeping their Bitcoin. Shahzad shares real stories, insights, and the broader vision behind enabling financial freedom without liquidation.

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Timestamps:

0:00 - Intro
2:36 - Who are high-net-worth bitcoiners?
8:24 – “Buy, borrow, die” wealth strategy
12:35 – How Lava’s bitcoin loan products work
18:22 – Lava’s new bitcoin line of credit
19:22 - Real examples of users borrowing for homes and cars
21:36 – How Lava makes money
24:30 – Why Lava focuses only on Bitcoin
26:15 – New bitcoin-backed credit card launch
30:05 - The simplicity of bitcoin