Your Upside Is Uncapped
Every dollar of price appreciation belongs to you on the full asset, not just the part you have paid off. If your asset doubles during your plan, that entire gain is yours.
CALCULATOR
No surprises. No hidden fees. Every number is out in the open before you ever commit. Use the LTO Calculator to design an ownership plan that fits your life: choose your asset, your budget, and your timeline. You will see exactly what you owe, when you owe it, and what you own from the very first day.
All fees disclosed upfront. No commitment required to calculate.
Available to finance
$+
Active LTO contracts
+
24/7 support
Always available
UNDERSTANDING YOUR NUMBERS
The LTO Calculator is built on total transparency. Every fee has a function, and every number is disclosed upfront. Here is a breakdown of what each component means for you.
Down Payment
Your initial commitment. Paid upfront, this activates your contract and secures your asset immediately in MPC escrow. The higher your down payment, the lower your monthly installments will be.
Financed Amount
This is the portion of the asset's value that BitLease finances for you. It is what the Lessor provides and what your installments repay over the duration you choose.
Finance Fee
The cost of your structured financing. This is fixed the moment your contract is executed and never changes, regardless of market swings or time.
HyperHedge Fee
A one-time fee at the start that covers all default risk for the life of your contract. This ensures no negative balances, no credit impact, and no personal liability. One fee for total protection.
Origination Fee
The platform fee for creating your contract, acquiring the asset, and setting up secure custody. This is paid upfront and included in your Total Due Upfront calculation.
How your totals combine
- Total obligationFinanced Amount + Finance Fee + HyperHedge Fee + Origination Fee
- InstallmentTotal Obligation ÷ Number of Periods
- Total due upfrontDown Payment + Origination Fee
EVERY NUMBER IS FIXED AT CONTRACT EXECUTION. NOTHING CHANGES AFTER YOU SIGN.
YOUR PLAN IN CONTEXT
The calculator shows you the cost, but this section shows you the value. Ownership is not just about what you pay; it is about everything you gain from the moment you start.
Your Asset Works While You Pay
Staking-eligible assets generate rewards throughout your plan, and 80% goes directly to you. You can apply those rewards toward your balance or simply hold them. Every bit of yield moves you closer to full ownership.
Your Exit Is Always Open
At any point, you can settle in full, execute a buyout, or use EVS to let your asset pay for itself. There are no penalties and no minimum periods. This is your plan on your timeline.
THE COST IS FIXED. THE VALUE IS UNLIMITED.
THE COMPARISON
See how LTO compares to the alternatives, on the same asset, at the same price.
| Spot Market | Lending Protocol | LTO Ownership | |
|---|---|---|---|
| Upfront cost | Full asset price | Overcollateral (150%+) | Down payment only |
| Ongoing cost | None | Compounding interest | Fixed installment |
| Liquidation risk | None | Always present | Does not exist |
| Ownership rights | Immediate | None | From day one |
| Downside cap | None (full loss) | Full collateral | Down payment + paid installments |
| Exit flexibility | Sell at market | Repay loan | Buyout / EVS / Early Exit |
| HyperHedge | None | None | Built in |
| Staking rewards | Yours | Locked | Yours |
| Hidden fees | Exchange fees | Variable interest | None, all disclosed upfront |
LTO IS NOT THE CHEAPEST PATH. IT IS THE MOST STRUCTURED ONE.
Transparency and information
The best financial decisions are not the ones made quickly.
They are the ones made with complete information.
LTO full transparency, always
Built for Institutions
Built to meet institutional security standards including SOC 2, ISO 27001, and GDPR.
FAQ
