Crypto Loan Lab · simulator
Stress-test a crypto-secured fiat loan
Illustrative only — not an offer, not a bank service. You enter every price; there is no live market data and no ratio here is legally approved.
Price shock
Collateral value
$60,000.00
Loan principal
$24,000.00
Simple interest (period)
$2,400.00
Illustrative amount due
$26,400.00
Stressed spot price
$60,000.00
Stressed collateral value
$60,000.00
Stressed LTV (principal)
40.0%
Stressed LTV (incl. interest at term)
44.0%
Margin-call price
$34,285.71
Liquidation price
$30,000.00
Margin-call price (incl. interest)
$37,714.29
Liquidation price (incl. interest)
$33,000.00
LTV scale
Initial
Stressed
MC 70%
LIQ 80%
0%60%120%
Assumptions & method
- Loan = units × spot × initial LTV. Stressed value = units × spot × (1 + shock). Stressed LTV = loan ÷ stressed value.
- Threshold price = debt ÷ (units × threshold LTV). Shown on principal only and on principal + full-term simple interest.
- Simple interest = principal × rate × months ÷ 12; no compounding, fees, haircuts, slippage or liquidation penalty.
- Status uses principal-only stressed LTV. Illustrative only; not an offer; no live prices or legally approved ratios.