BTC lending platform Strike has updated its bitcoin-backed loan policies amid crypto market volatility that makes a toddler’s tantrum look predictable, extending the margin call recovery window and adjusting loan-to-value thresholds to give borrowers more flexibility (and a fighting chance).
Bitcoin Lending Platform Strike Expands Margin Call Recovery Time for Bitcoin-Backed Loans
The changes include expanding the margin call recovery period from 24 hours to 72 hours-because apparently, crypto investors need more time to panic than it takes to binge-watch a Netflix series-and raising the recovery threshold from 60% to 65%, according to statements from Strike. Margin calls will now trigger at a 70% loan-to-value (LTV) ratio, giving borrowers extra time to add collateral or adjust positions before facing the dreaded liquidation (a.k.a. financial extinction).
The policy shift followed feedback from users, who complained that the previous 24-hour recovery window was too short for customers using multi-signature wallets. Strike said the updates were designed to provide greater flexibility, especially during periods of elevated price swings across the crypto market, where volatility is the only thing more reliable than death and taxes.
Chief Executive Officer Jack Mallers emphasized that the changes reflect a customer-focused approach during volatile conditions. “At Strike, we’ll continue to show up, listen, work relentlessly, and care deeply about both bitcoin and bitcoiners,” Mallers remarked, in a tone suspiciously similar to a parent soothing a child who just lost $50K on Dogecoin. “I’m incredibly proud of the team for listening to customers and building for them yesterday in the thick of the storm. Built by bitcoiners, for bitcoiners.” (Wink emoji implied.)
Strike echoed that message in a public statement announcing the update. “We’ve updated our margin call policy for Strike Loans,” the company wrote, as if announcing the release of a new iPhone feature. “Recovery window: 72 hours (previously 24). Recovery threshold: 65% (previously 60). Built to give customers more time and flexibility for their loans, especially during times of high volatility (a.k.a. when Bitcoin decides to moonwalk off a cliff).”
Mallers also stressed that margin calls do not automatically result in liquidation. “By the way, a margin call is NOT liquidation. Important and big difference,” he said, in case anyone confused the two like confusing a warning shot with a drive-by shooting.
The adjustments were widely welcomed within the Bitcoin community, where users praised the platform’s “transparency” and “responsiveness”-code words for “finally treating crypto like a real thing, kinda, maybe?”
FAQ 📊
- What did Strike change about its Bitcoin-backed loans?
Strike extended the margin call recovery window to 72 hours and raised the recovery threshold to 65%. (Translation: We’re giving you more time to scramble for cash before we take your Bitcoin and buy a Tesla.) - When do margin calls now trigger on Strike loans?
At a 70% loan-to-value ratio. Fun fact: That’s still less forgiving than a vampire at a blood bank. - Does a margin call mean liquidation?
No, Strike says a margin call does not automatically result in liquidation. It’s more like a stern text from your ex saying, “We need to talk.” - Why did Strike update its loan policy?
Customer feedback and market volatility. Because nothing says “we care” like rewriting the rules mid-game to avoid mass hysteria.
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2026-02-08 01:12