v1
latestOpenAPI 3.0.32026-08-04850206.9 KBCalculators
Loan vs sell calculator
Borrow against crypto vs sell it — compares both scenarios using the coin's CURRENT price. Informational projection, not financial advice.
get/api/v1/calculators/loan
Query parameters
slugstring required
The coin's slug identifier.
Example:bitcoin
The coin's slug identifier.
crypto_amountnumber required
How much of the coin you hold.
Example:2
How much of the coin you hold.
needed_cashnumber required
USD you need to free up.
Example:50000
USD you need to free up.
term_monthsinteger nullable
Loan term in months (default 36).
Example:36
Loan term in months (default 36).
interest_ratenumber nullable
Loan APR in % (default 10).
Example:10
Loan APR in % (default 10).
ltvnumber nullable
Loan-to-value ratio in % (default 50).
Example:50
Loan-to-value ratio in % (default 50).
expected_growthnumber nullable
Expected coin price growth over the term in % (default 25).
Example:25
Expected coin price growth over the term in % (default 25).
tax_ratenumber nullable
Capital-gains tax in % applied to the sale (default 25).
Example:25
Capital-gains tax in % applied to the sale (default 25).
Response
Example response
{
"data": {
"current_price": "109731.2",
"collateral_value": 219462.4,
"max_loan": 109731.2,
"loan_possible": true,
"loan_scenario": {
"monthly_payment": 1613.4,
"total_payback": 58082.4,
"total_interest": 8082.4,
"net_value": 216296.72
},
"sell_scenario": {
"crypto_sold": 0.4556647344,
"capital_gains_tax": 12500,
"net_value": 230378.86
},
"better_scenario": "sell",
"opportunity_cost": 14082.14,
"break_even_growth": 31.42,
"risk_level": "medium"
},
"meta": {
"coin": "bitcoin",
"currency": "USD",
"note": "Informational projection — the tax model taxes the full proceeds (no cost basis), matching the web calculator."
}
}