
Selling crypto to fund life decisions can feel like cutting off future upside. We sat down with Tobias van Amstel, co-founder and CEO of Altitude, to unpack a smarter path: borrowing against assets like BTC and ETH so you can unlock liquidity while staying exposed to growth. From mortgages to market mechanics, we translate DeFi lending into simple mental models that make sense for founders, marketers, and anyone curious about finance that serves real needs.
We start with what’s broken in traditional lending: banks love your salary but struggle to lend against diverse assets. Tobias explains how on-chain collateral changes that dynamic, turning selling into a choice and letting both large funds and everyday savers access the same lending rails. We dive into trust signals that matter—transparent rules and reserves, audited code with real uptime, and teams that stand behind their products—so you can spot red flags before you click “borrow.”
Then we decode yield. Not all returns are created equal, so we map the four main sources in DeFi: borrower-paid interest for lenders, trading fees for liquidity providers, real-world asset yields brought on-chain, and protocol incentives. Tobias shares how to weigh sustainability, liquidity, and risk so your returns aren’t just numbers on a dashboard. For first-time borrowers, we get practical: wallets, security basics, gas, and why integrated on-ramps and loan optimizers can dramatically reduce friction and find best rates without hopping between protocols.
We also explore why building financial infrastructure demands aviation-level rigor. In consumer apps, a bug irritates; in DeFi, it can vaporize funds. That’s why testing, audits, conservative releases, and ongoing monitoring are non-negotiable. Finally, we look ahead to AI agents. Because blockchains are transparent and programmable, agents can analyze public data and act safely with scoped keys and guardrails—something closed, credentialed TradFi systems struggle to enable. If the industry can preserve open access—where a billion-dollar fund and someone with a hundred dollars share the same opportunities—DeFi will fulfill its promise to democratize finance.
Enjoy the conversation, share it with a friend who’s on the fence about DeFi, and leave a quick review to help more people find us. Subscribe for more candid, practical takes on Web3, AI, and the future of money.
This episode was recorded during a walk in Sintra on January 14, 2026. Check the video footage, read the blog article and show notes here: https://webdrie.net/borrowing-against-bitcoin-turns-selling-into-a-choice/
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