Mark MossChief Bitcoin Strategist Satsuma | Partner BTCOppFund | ArchLending | BlockwareTeam | 100M+ YouTube

Why Would I Ever Pay Off My Bitcoin Loans?

16 Oct 2026 · 1 min

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In this brief video, Mark Moss explains his strategy of borrowing against Bitcoin and deliberately choosing not to repay the loan as long as the cryptocurrency’s price appreciation outpaces the loan’s interest rate. He argues that paying off the debt would interrupt the compounding growth of the asset, so he lets the loan remain outstanding while Bitcoin continues to double. Only if the asset’s growth rate falls below the cost of capital would he consider selling a portion of his holdings to retire the debt. The segment ends with a promotional call‑to‑action inviting viewers to watch a free training on building a personal wealth operating system.

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If I keep borrowing against my Bitcoin, how does that loan ever actually get paid off? Well, that's a great question. But the answer is, why would you ever want to pay it off? You see, if the asset is growing faster than the rate of debt, then I don't want to interrupt the compounding. I want to allow that asset to continue to double and double and double and double into the future. And so as long as it's growing faster than the debt, I don't pay it off, I let it keep going. Now, if at some point the rate of growth slows below the cost of capital, then I might sell a little bit and pay the debt off. So if you want to learn how to build your own wealth operating system, then click the video below to watch my free training, and I'll see you over there.