the difference is that secured credit is fundamentally stronger than unsecured credit. it’s cheaper, larger, and simpler. with unsecured credit, you’re borrowing against your reputation. credit checks, personal data collection, spending limits, and high rates. with secured Bitcoin credit, you’re borrowing against your Bitcoin. no credit checks, no personal data farming, instant liquidity, and significantly lower rates. deposit $1M in Bitcoin, and you can immediately access $500K in cash or credit. buy a house with a swipe. no questions. secured Bitcoin credit is what credit should’ve been: fast, fair, and backed by real value. digital property enables it.