How to Use the LTO Deal Builder
BitLease offers two ways to start a Lease-to-Own contract:
ready-made Plans
LTO Deal Builder.
Plans are predefined packages designed around current market conditions, where the terms are already set, and you simply choose the one that fits your goals.
The Deal Builder, on the other hand, gives you full control to customize every parameter of your ownership deal.
This article explains both options and walks you through the Deal Builder in detail.
Option 1: Starting with Plans (Fixed LTO)
The Plans page is the simplest way to begin your ownership journey. Plans are predefined LTO packages with:
a fixed down payment,
fixed installment amount,
and fixed duration.
You only need to select the quantity of the asset you want to lease.
What You Will Find on the Plans Page
The Plans page displays a collection of LTO packages organized by category. Each plan card shows the key terms at a glance.
Plan Name and Tier — Each plan has a name (e.g., Standard, Short Term, Long Term, Kid's Future Secure, University Fund Secure) and a tier badge (e.g., Standard, Starter, Pro).
Asset — The digital asset the plan applies to (e.g., BTC/USDT, BNB, ETH, SOL).
Down Payment — The required upfront percentage (e.g., 5%, 15%, 30%, 35%, 55%).
Installments — The number and frequency of payments (e.g., 6/monthly, 4/weekly, 12/monthly, 24/monthly).
Finance Fee — The applicable finance rate for the plan (e.g., 4%, 7.25%, 10%, 12%).
OWN IT Button — Click to proceed with that specific plan.
The Plans page also features sections like Hello LTO (BitLease's introductory welcome pack with accessible entry terms, zero LTO fees, and zero insurance fees)
LTO-AI Precision Picks (AI-structured recommendations updated in real time, each marked with an "AI Recommendation" badge showing optimized terms for specific assets).
Plans are ideal if you prefer a straightforward approach: pick a package, select your quantity, and activate your contract.
Option 2: Using the LTO Deal Builder (Optional LTO)
The Deal Builder is for users who want to customize every aspect of their LTO contract. The Whitepaper defines this as Optional LTO: a model where you choose the down payment amount, installment frequency, and repayment duration yourself.
How to Access the Deal Builder
Click LTO (or LTO Pro) in the top navigation bar.
You will see two tabs at the top: Desk and Deal Builder.
Click Deal Builder.
The Desk tab shows the LTO-Ready Assets table with live market data, including spot prices, 24-hour change, 24-hour high, and 24-hour volume for each available asset (BNB, BTC, ETH, SOL, XRP). It also displays Live Intelligence with Market Sentiment (Bearish to Bullish scale), Global Volatility, and Liquidity Depth. From any asset row in the Desk, you can click the LTO button in the Actions column to open the Deal Builder for that specific asset.
Walking Through the Deal Builder
The Deal Builder opens as a structured panel where you configure your deal step by step. Every deal is verified by HyperHedge before activation, as indicated by the "Verified by HyperHedge Audit" badge at the bottom.
Step 1: Select Your Asset
At the top of the Deal Builder, a row of asset icons lets you choose from the available digital assets (BTC, BNB, ETH, SOL, XRP). The selected asset is highlighted. Below it, the Reference Spot Price is displayed live with a green indicator and the current percentage change.
Step 2: Choose Your Size
Enter the quantity of the asset you want to lease. Each asset has a defined minimum and maximum range (e.g., BTC: Min 0.01 / Max 5, SOL: Min 1 / Max 5000, ETH: Min 0.1 / Max 100). Use the + and - buttons or type directly into the field. The approximate USD value is shown below the size input.
Step 3: Set Your Down Payment
The Down Payment section shows the percentage and total dollar amount of your upfront payment. You can adjust using the slider or select from preset options. The available range depends on the asset, as down payment is determined algorithmically by HyperHedge based on risk bands, volatility conditions, and liquidity levels. For example, SOL may show a range of 20% to 80%, while BTC might show 15% to 90%.
Based on the Institutional Product Framework, the down payment is asset-based (not user-based) and is not collateral. It carries no liquidation risk.
Step 4: Configure Your Repayment Schedule
Choose your payment frequency: Weekly or Monthly. Then set your contract duration using the slider or preset buttons (e.g., Min 1 / Max 24 months, or Min 1 / Max 36 for some assets).
Once you set these parameters, the Deal Builder immediately displays:
Selected Duration — The number of payment cycles (e.g., 12 Months, 4 Months).
Monthly Finance Rate — The rate applied per payment period (e.g., 0.00%, 4.68%).
Effective Finance Rate — The total finance rate applied across the full contract term (e.g., 0.00%, 18.73%).
Payment Preview — The number of payments and amount per payment (e.g., "4 payments of $20" or "12 payments of $0").
Step 5: Review the LTO Summary
The LTO Summary section provides a clear snapshot of your deal before you proceed.
Upfront — The total amount payable now (down payment plus applicable fees).
Installment — The amount due per payment cycle (per week or per month).
Step 6: Audit Financial Breakdown (Optional)
Click Audit Financial Breakdown to expand the full cost structure. This section shows every component of your contract: principal, down payment amount and percentage, contract origination fee, upfront due (settlement), financed amount, effective finance fee, effective insurance fee, and total obligations. This is the Pre-Contract Disclosure required by BitLease before any contract activates, ensuring complete transparency with no hidden fees.
Step 7: Review and Sign the Deal
Click Review & Sign Deal to proceed to the final confirmation screen. Here you will see all your terms consolidated: the asset, quantity, total value, down payment, payment schedule, installment amount, and the Market Volatility Notice (which states that final installment amounts will be adjusted based on the exact spot price at the moment of execution). You confirm your payment source (LTO Wallet) and click Confirm & Execute Contract to activate.
Comparing Plans vs Deal Builder
Plans (Fixed LTO) work well when you want a simple, quick start. The terms have been structured around current market conditions and are ready to activate. You only select the quantity.
Deal Builder (Optional LTO) is the right choice when you want to control your down payment percentage, choose between weekly and monthly payments, set your preferred contract duration, and see exactly how each parameter affects your total cost in real time.
Both paths lead to the same result: a fully structured LTO contract held in your LTO Wallet, with full Economic Utility from day one and ownership transfer upon Full Settlement. Both are verified by HyperHedge before activation.
Need Help?
If you encounter issues with Market or Limit Orders, contact BitLease Support:
Email: support@bitlease.com
Subject: "LTO Order Issue"
Include: A description of the problem, any error messages, and steps you’ve already tried.
Response Time: Within 24 hours.
For urgent security concerns, email: security@bitlease.com.
This guide ensures you can confidently use Market and Limit Orders in the LTO Deal Builder to create Lease-to-Own positions tailored to your strategy.