Borrow against what you've already earned. Keep every satoshi.
Stack turns idle Whop balance into working capital. Park stablecoins to stay flat, or pledge bitcoin to keep the upside. Get cash today. Repay a small share of tomorrow's sales, automatically — no due date, no compounding interest.
- No selling. Your bitcoin stays yours.
- Fixed 6% fee. Locked at draw. Never changes.
- Warned before we ever touch collateral.
Three moves, one screen.
No bank forms. No underwriting phone calls. Stack reads your own sales from Whop, sizes an advance on the spot, and repays itself from future sales.
Pledge what you already have
Park stablecoins for cure material, or convert to bitcoin inside a custody account only Stack's platform key can move. Nothing mixes with the lending pool. Every satoshi stays yours.
Draw cash today
Approved amounts land in your Whop account in seconds. Fee is a flat 6%, priced once at draw. Pay it back in 60 days or 120 — the total never grows.
Repay from future sales
Stack sweeps a small share of each settled sale — typically 20–30%— until you're paid off. No calendars, no reminders, no manual transfers.
Pledge $10,000 in bitcoin.
You're not selling. You're borrowing against it. Here's exactly what happens end to end.
$10,000
Bitcoin pledged into custody
$5,660
Cash lands in your Whop account
$6,000
Total you repay (principal + 6% fee)
180 days
Hard maturity. Sales usually finish it long before; anything left triggers a 24-hour notice.
You still owe $6,000. All upside stays yours.
Nothing changes. You keep repaying from sales.
You get a notice at 82% LTV with 24h to top up or repay. Only if it falls another 13% past that, we sell the minimum needed — never more.
Guardrails.
Every dollar is auditable
Stack's ledger is append-only. Every event is signed with an idempotency key so retries can never double-charge or double-transfer.
The fee never grows
Locked at draw. Not APR. Not interest. Not compounding. The number you see when you accept is the number you repay, whether it takes 60 days or 120.
Collateral in its own account
Held by Stack's platform key in a dedicated custody account, separate from the lending pool. Enforced by Whop's own authorization — not just our code.
We warn before we act
Three escalating notices with a cure window before any bitcoin is sold. Every notification comes with the exact top-up or repayment that clears it.
Ready to see your real position?
Sign in with Whop to load your account. We'll ask for read access to your balance, sales, and disputes, plus permission to move funds only when you personally approve a Stack transaction.
Sign in with WhopSandbox environment. No real dollars, satoshis, or sales move.