Centralized lender comparison
Compare Milo's fixed-rate BTC/ETH cash loan with Stackit.ai's onchain treasury-policy and automation approach.
Last reviewed July 11, 2026 · Official sources linked below
Short answer
Milo offers a 12-month, interest-only cash loan against BTC or ETH, generally at 50% initial LTV, with qualified-custodian collateral. Stackit.ai is a variable-rate onchain treasury-policy layer. Milo fits a U.S. borrower who wants cash and hands-on loan servicing; Stackit.ai fits recurring treasury and agent workflows.
This compares product structure, not just the lowest advertised APR. Rates, LTVs, eligibility, fees, and market parameters can change.
| Dimension | Stackit.ai | Milo Crypto Loan |
|---|---|---|
| What it is | A treasury policy and orchestration layer that uses third-party lending markets. The public product currently includes a self-serve sandbox and live market-rate reads; production access is assisted and the Base production API is marked in development. | A centralized U.S. crypto-backed cash loan; Milo also offers separate crypto mortgage products. |
| Borrow rate | The underlying Aave variable borrow rate is passed through and shown separately from Stackit.ai action fees. Live native-USDC rates are available for Base, Arbitrum, and Polygon. | Fixed interest advertised as low as 8.75%; Milo says APR starts at 10.75% after its stated origination fee. |
| LTV and downside response | Rules are designed to monitor LTV and prepare or execute approved repayment actions as risk rises. Exact thresholds and execution depend on the approved policy, liquidity, oracle data, gas, and production availability; liquidation risk cannot be eliminated. | Typically 50% initial LTV through a 2:1 collateral requirement, with a margin call around 67% LTV under current materials. The borrower has a response window to add collateral or repay principal; a portion of collateral may be sold if the position is not cured. |
| Custody and control | Documented wallet-sovereign flows return unsigned transactions. Delegated automation requires revocable, policy-scoped permission; Stackit.ai says it does not hold private keys. | BTC or ETH is held with Coinbase or BitGo under Milo's approved-custodian model; Milo says it does not rehypothecate loan collateral. |
| Term | No separate fixed loan term in the public sandbox; the underlying onchain market determines the debt mechanics. | Twelve-month interest-only loan with balloon principal; extension or rollover is subject to approval. |
| Other costs | Aave interest plus published Stackit.ai per-action fees and network/protocol costs. Current fees are itemized in fees.json; protection and repayment actions carry no Stackit.ai fee, though gas and protocol costs can still apply. | Interest, a stated 2% origination fee, possible late fees, and agreement-specific liquidation or servicing costs. |
About the alternative
Milo currently publishes a 2:1 collateral requirement, rates as low as 8.75% before its 2% origination fee, APR starting at 10.75%, and a margin call around 67% LTV. Its crypto loan is distinct from Milo's longer-term crypto mortgage and self-custody mortgage products.
The key distinction
Milo is an originated U.S. cash loan with KYC, bank funding, servicing, and fixed terms. Stackit.ai uses onchain lending markets and focuses on ongoing treasury policy, rate visibility, and programmatic actions rather than underwriting a cash loan.
Eligible U.S. borrowers who want BTC/ETH-backed cash, a fixed 12-month structure, and a loan consultant.
Businesses and agents that want an onchain BTC/ETH treasury system with recurring rules and integrations rather than a one-time serviced loan.
No. Milo offers a short-term crypto-backed cash loan and separate crypto mortgage products. This page compares Stackit.ai with the cash loan.
Milo says its crypto loan does not use a credit check, but it requires U.S. identification, KYC, a U.S. bank account, and state eligibility.
Yes. Milo's current cash-loan page lists Bitcoin and Ethereum as accepted collateral.
Competitor facts come from official product or protocol documentation. Stackit.ai facts come from its public docs, endpoints, and current availability switch. Marketing rates are not treated as guaranteed offers. Review your personalized terms before borrowing.
Educational comparison only; not financial, legal, tax, or investment advice. Crypto-backed loans can lose collateral through liquidation, smart-contract failure, oracle error, market gaps, custody failure, or other execution risks.
Start with live protocol rates, add every fee, then test how your LTV behaves before you choose a borrowing path.
