Current Challenges with Bitcoin Ownership

• Spot BTC now trades well into six figures; buying even one coin in cash is out of reach for most crypto users.

• DeFi “BTC-backed loans” demand ≥133 % collateral (1.33 BTC for 1 BTC of credit), so they increase the BTC you need instead of lowering the bar.

• TradFi offers no way to finance BTC at all, so retail is left with slow dollar-cost-averaging while institutions are leveraging and entering into BTC.

• Stable-coin supply tops $150 B at 75% CAGR, yet blue-chip lending pools (Aave, Compound) pay low APY.

How Bitmor improves on existing solutions

• “Bitcoin mortgage”: borrower puts down just 20 % in USDC, lender pool finances the other 80 %. Retail can control a full BTC on day one in select DeFi platforms.

• Fixed-term, fixed-rate schedule: transparent EMI to turn BTC acquisition into a familiar monthly payment plan.

• Liquidation anxiety of DeFi is fixed through an opt in "Liquidation Insurance" which is a long term put option.

• In case of defaults, only micro-liquidations: only the BTC needed to cover that month’s EMI is sold.

• BTC-secured credit delivers yields that historically beat Aave/Compound while being over-secured in USD terms from day one.

• In-app exit queue & planned secondary market lets LPs rotate out without waiting for borrower maturity.

• Regulated-grade architecture on-chain escrow unlocks true under-collateralisation without custodial rehypothecation risk.

Why this matters now

• Adoption tail-winds: Bitcoin network users grow ~30 % YoY; the next 100 M retail entrants need financing.

• Fresh liquidity: The newly passed GENIUS Act will legalise billions of stable-coin inflows that all need safe, yield-bearing deployment.

• No direct competitors: Neither TradFi mortgages nor existing DeFi money markets offer sub-100 %-collateral BTC credit, leaving a clear gap that Bitmor fills.

Net effect

• Borrowers become “full-coiners” decades sooner, capturing more upside with manageable monthly outlays.

• Lenders convert stagnant stables into a diversified, hedged BTC credit book with superior yield.

• The ecosystem gains a missing credit primitive that deepens liquidity, smooths volatility, and accelerates mainstream Bitcoin ownership.

Summary - All Deployed Contract Addresses on Base Sepolia:

MockDeployer: 0x45dF8BF8Ed77Fe7c7549f85edc6ca085beF82D51
USDC: 0x377faBD7d29562c059Dd2D3A9C41eF6974d26B21
cbBTC: 0x905DFbD63Eb404E9A6A03B447c037EC7260478cF
AavePool: 0x044a1Caf72d89f67a4801bB77F858C9A2795b57A
SwapRouter: 0xb1c026CFce4478DaF34FD72cB8ac959e35823F21
LendingPool: 0xd8c555F728aCD2441a60e0da3f2591464f364C9c