Bitcoin was built to be yours. Your loans should be too.
Writz is the first trustless Bitcoin lending protocol on Stellar. Bitcoin collateral is locked directly on the Bitcoin network by a Bitcoin Script, verified on Stellar through a Bitcoin SPV client running inside a Soroban smart contract, and every position is kept private through zero-knowledge proofs. There is no bridge, no custodian, and no wrapped token standing between a user and their Bitcoin.
Every other option for putting Bitcoin to work in DeFi asks for one of two concessions: hand your BTC to a custodian, or accept that your loan, your collateral, and your liquidation threshold are public information. Writz removes both. The Bitcoin stays on Bitcoin, secured by Bitcoin Script and accessible only to the depositing user. The loan happens on Stellar, where native USDC and zero-knowledge proof infrastructure already exist. The position stays private, verified by math, not by trust in an operator.
| Writz | Most BTC lending protocols | |
|---|---|---|
| Custodian | Bitcoin Script is the custodian | A company or federation holds the BTC |
| Verification | SPV proof, verified on-chain | Trust in a bridge or custodian attestation |
| Privacy | Private by default, zero-knowledge proofs | Positions are public |
| Collateral | Native on-chain BTC | Wrapped token |
Writz is currently live on Soroban Testnet and Bitcoin Signet, with the core contracts, the Bitcoin SPV client, the zero-knowledge circuits, and the relayer all tested end to end. Mainnet launch is the next major milestone. Follow progress in the main repository below.
- writz: the protocol. Smart contracts, ZK circuits, Bitcoin script tooling, relayer, and frontend.
- Live app: https://writz.xyz
- Documentation: https://docs.writz.xyz