It pays to H.O.D.L No Margin Calls, No Compromises
Nomacal lets you unlock the value of your Bitcoin without giving it up. Through a secure multi-sig setup, (more custody options coming soon). With fixed-rate loans, fast access to cash, and zero margin calls, you can finally borrow with confidence, hodl with conviction, and live freely at the same time.
Nomacal isn't just a lending platform-it's a smarter way to carve a channel between your Bitcoin and your real life. Here are four reasons why it gives you a real edge when it matters most.
No margin calls Ever (The only BTC to Cash lending platform in the world to offer this) Market dips shouldn't cause panic. Nomacal loans are designed with zero margin calls, so you're never forced to repay early or top up your collateral when prices swing. Post your collateral and go to sleep.
Your Bitcoin stays locked in a secure, shared custody multi-sig vault—neither you nor Nomacal can move it alone without mutual agreement. That means you're always protected by design, and trust isn’t optional—it’s deeply built into the system for your peace of mind.
Nomacal bridges the gap between holding and living—giving you the freedom to unlock real-world cash from your Bitcoin whenever you need it, without sacrificing your long-term investment goals. Keep your BTC working for your future, while using its value to support your present.
Selling your Bitcoin can trigger taxes—but borrowing against it doesn’t. With Nomacal, you maintain full ownership of your BTC while unlocking the cash you need, all without realizing capital gains. It’s a smart financial move that lets your Bitcoin continue to grow.
1. Bitcoin is the foundation-it's your core asset, solid and uncompromised.
2. Security is the frame-held strong by multisig custody, no margin calls, and full transparency.
3. Prosperity is the door-it opens when you access cash from your Bitcoin, using it without losing it.
4. Peace is the roof. It's only possible when the other three are working in harmony—sheltering you from volatility, stress, and short-term sacrifice.
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In traditional setups, one party often holds all the keys which leaves you exposed to mismanagement or unilateral decisions. With Nomacal's 3-key model, no single institution can move your Bitcoin on its own. It's decentralized by design to protect you.
Every action requires cooperation. Nomacal, the lender, and Theya must work together to execute any movement of funds. This multi-party structure keeps everyone honest and creates a clear audit trail. Trust isn't expected—it’s verifiable
If one party becomes unresponsive or compromised, the others can still act to recover or resolve the loan. This redundancy makes the system resilient, so you're never locked out of your collateral or dependent on just one company's uptime.
Theya acts as a neutral third-party coordinator, adding oversight without controlling your funds. You get the benefits of expert custody without the drawbacks of centralized risk. This keeps your Bitcoin safe while keeping your autonomy intact.
Building upon the robust security framework of Nomacal's 3-key custody model, Theya enhances this system by providing a user-centric, collaborative custody solution. Theya's 2-of-3 multi-sig vaults ensure that no single entity can unilaterally access or move your Bitcoin—requiring at least two parties to authorize any transaction. This setup not only decentralizes control but also mitigates risks associated with single points of failure. Moreover, Theya's platform supports seamless integration with various hardware wallets and offers features like sovereign and assisted recovery options, ensuring that users maintain control and access to their assets even in unforeseen circumstances. By incorporating Theya's advanced multi-sig technology, Nomacal fortifies its commitment to providing secure, transparent, and user-empowered Bitcoin lending solutions.
Industry leading security transparency
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Exclusive access
Access funds easily
Fast and flexible
VerifiableNomacal makes borrowing safe and reliable
Nomacal is built with reliability as a core principle. By keeping the platform intentionally simple and avoiding complex automated liquidation mechanisms, we significantly reduce the potential for bugs and unintended failures. Every feature is rigorously tested, and critical processes like custody and lending are managed through transparent, multi-party coordination. This approach minimizes risk, maximizes uptime, and gives users peace of mind knowing the system operates as intended.
Nomacal removes uncertainty by offering fixed, transparent loan terms and a clear, predictable process. There are no hidden fees, sudden liquidations, or shifting conditions—what you agree to at the beginning is exactly what remains in place throughout the life of the loan. This isn’t about trusting vague promises; it’s about trusting a system purposefully built for stability and fairness. With Nomacal, you never rely on blind faith—you rely on a structure designed to protect you and earn your confidence every step of the way.
Customer Service
Get a loanAt Nomacal, exceptional service isn't an extra, it's a core part of the experience. We offer white-glove customer support that's personal, responsive, and always available when you need it. Whether you're exploring your first loan, navigating repayment options, or just have a question about how it all works, our team is there to guide you through every step. No bots, no copy-paste replies, We're real people who understand Bitcoin and care about your success. With Nomacal, you're never on your own—we're with you the whole way.
While platforms like Aave, Morpho, and Coinbase offer variable-rate loans, those rates are dictated by ever-shifting market liquidity. In times of stress-like liquidity crunches or market-wide deleveraging, interest rates can spike suddenly—triggering margin calls without warning. Worse, these systems have become targets for nation-state actors and coordinated attacks, with reports of entities like North Korea exploiting these liquidity dynamics to force unreliable liquidations. Nomacal takes a fundamentally safer path. With fixed-rate loans and no margin calls, borrowers are shielded from these external manipulations and unpredictable rate shifts. Your repayment terms are locked from day one, so you're never forced to react to market chaos or hidden vulnerabilities in pool-based systems. It's not just about stability—it's about protecting you from the games being played behind the curtain.
Your collateral is stored securely in qualified custody.
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At Nomacal, we offer straightforward, hassle-free lending with no credit checks and no piles of paperwork.
Never sell your
Bitcoin, live off it
Never sell your Bitcoin, make it work for you instead. Every time you sell, you're not just giving up your position in the hardest asset on Earth-you're handing over your future for a short-term fix. With Nomacal, you can live off your Bitcoin without letting go of it.