Sovereign Income Desk

Keep the Bitcoin. Model the income.

A first-pass calculator for BTC-backed liquidity, preferred-income spread, and liquidation risk. Built for testing the strategy on ourselves before turning it into a full product.

Mode
MVP
Custody
External
Rule
Stress First
Safe Loan
$0
At selected LTV.
Liquidation Price
$0
Approximate BTC price danger line.
Net Monthly Spread
$0
Income yield minus loan APR.
Sovereign Risk
--
Based on LTV and drawdown buffer.
Bear-Market Survival Table
Collateral Stress
Scenario BTC Price Loan LTV Status
Desk Rules
Do Not Skip
1
Fortress stack stays cold.
Never pledge all BTC. Only a defined credit sleeve goes near a lender.
2
Spread is not freedom.
If the income yield does not beat interest after stress, the trade is a liability.
3
Liquidation beats thesis.
A right long-term thesis can still lose to a short-term margin call.

Loan Model

Compare SALT, Ledn, and future lenders by LTV, APR, liquidation terms, custody model, repayment rules, and bear-market survival.

Income Model

Track STRC-style preferred cashflow, annuities, policy loans, treasury bills, and business income as separate sleeves rather than one fragile bet.

Insurance Map

Study BTC-denominated life insurance, Bitcoin-linked annuities, estate planning, key-person coverage, and referral paths to licensed partners.

Internal Beta

Want the full desk model?

Send your BTC stack, target monthly income, and worst drawdown assumption. BitSage will use the next build cycle to turn real reader scenarios into the first paid Sovereign Income Desk worksheet.

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Education and planning software only. This page is not financial, investment, tax, legal, or insurance advice. Calculations are simplified and must be verified against provider terms before anyone risks capital.