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    <description>Bitcoin-backed loans for US borrowers: current rates, LTV and liquidation math, lender comparisons, tax treatment. Sourced, dated, no hype.</description>
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      <title>DeFi Crypto Lending in 2026: How It Works, Real Rates & IRS</title>
      <link>https://borrow-against-bitcoin.com/how-it-works/defi-crypto-lending-guide/</link>
      <description>Understand DeFi crypto lending in 2026: how collateral, LTV ratios, and liquidation mechanics work, plus IRS reporting rules, every figure sourced and dated.</description>
      <pubDate>Mon, 31 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/how-it-works/defi-crypto-lending-guide/</guid>
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      <title>Crypto Lending in 2026: Real Rates, LTV Math & IRS Tax Rules</title>
      <link>https://borrow-against-bitcoin.com/crypto/crypto-lend-how-it-works-rates-irs-rules/</link>
      <description>Crypto lending lets you borrow cash against Bitcoin without selling. Learn LTV ratios, compare real rates from Nexo and Arch Lending, and get the IRS tax</description>
      <pubDate>Sun, 30 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/crypto/crypto-lend-how-it-works-rates-irs-rules/</guid>
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    <item>
      <title>Crypto Lending Scams: 7 Red Flags That Cost Victims $7.9B</title>
      <link>https://borrow-against-bitcoin.com/crypto/crypto-lending-scams/</link>
      <description>FTC data links $7.9B in losses to investment scams. Learn how crypto lending scams work, the 7 red flags to spot them, and the exact steps to report fraud.</description>
      <pubDate>Fri, 28 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/crypto/crypto-lending-scams/</guid>
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      <title>Arch Lending Crypto 2026: Real SEC Numbers, Collar Loan</title>
      <link>https://borrow-against-bitcoin.com/lenders/arch-lending-crypto/</link>
      <description>Arch Lending crypto loans explained with real SEC-sourced figures: $18M borrowings, collar loan mechanics, liquidation protection, and IRS tax treatment for</description>
      <pubDate>Thu, 27 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/lenders/arch-lending-crypto/</guid>
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    <item>
      <title>Is Crypto Lending Safe? 6 Real Risks Every US Borrower Must</title>
      <link>https://borrow-against-bitcoin.com/crypto/is-crypto-lending-safe/</link>
      <description>Is crypto lending safe? Learn the real risks: no FDIC insurance, SEC oversight gaps, liquidation triggers, and platform failures, with sourced 2026 data.</description>
      <pubDate>Wed, 26 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/crypto/is-crypto-lending-safe/</guid>
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      <title>Crypto Lending Regulation: 5 Key Rules Shaping 2026</title>
      <link>https://borrow-against-bitcoin.com/tax-rules/crypto-lending-regulation-2026-rules/</link>
      <description>Stay informed on crypto lending regulation in 2026. Learn how SEC actions, the Coinbase case, and new disclosure rules affect your loan terms and collateral.</description>
      <pubDate>Tue, 25 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/tax-rules/crypto-lending-regulation-2026-rules/</guid>
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      <title>Crypto Lending Calculator 2026: LTV Math & Liquidation Risk</title>
      <link>https://borrow-against-bitcoin.com/how-it-works/crypto-lending-calculator-ltv-math-rates-liquidation/</link>
      <description>Learn how a crypto lending calculator estimates your borrowing power, LTV ratio, interest cost, and liquidation price for 2026, with a worked BTC example</description>
      <pubDate>Sat, 22 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/how-it-works/crypto-lending-calculator-ltv-math-rates-liquidation/</guid>
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      <title>Who Has Tax Liability in a Custodial Account? 2026 IRS</title>
      <link>https://borrow-against-bitcoin.com/tax-rules/who-has-tax-liability-in-a-custodial-account/</link>
      <description>Who has tax liability in a custodial account? Learn how the IRS assigns tax duty to the child vs. the parent under 2026 Kiddie Tax rules, with clear examples.</description>
      <pubDate>Wed, 12 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/tax-rules/who-has-tax-liability-in-a-custodial-account/</guid>
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    <item>
      <title>Who Claims Income on a Custodial Account? 2026 IRS Rules</title>
      <link>https://borrow-against-bitcoin.com/tax-rules/who-claims-income-on-custodial-account/</link>
      <description>Who claims income on a custodial account? The child owns it, but the kiddie tax may shift the bill to parents. 2026 thresholds, filing rules, and worked</description>
      <pubDate>Tue, 11 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/tax-rules/who-claims-income-on-custodial-account/</guid>
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      <title>Do You Have to Pay Taxes on Custodial Accounts? 2026 Rules</title>
      <link>https://borrow-against-bitcoin.com/tax-rules/do-you-have-to-pay-taxes-on-custodial-accounts/</link>
      <description>Yes, custodial accounts are taxable. Learn the 2026 kiddie tax thresholds ($1,350/$2,700), who actually owes the bill, and how to file correctly.</description>
      <pubDate>Mon, 10 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/tax-rules/do-you-have-to-pay-taxes-on-custodial-accounts/</guid>
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      <title>What Happens If You Don't Pay Back a Crypto Loan? Full 2026</title>
      <link>https://borrow-against-bitcoin.com/ltv-liquidation/what-happens-if-you-dont-pay-back-a-crypto-loan/</link>
      <description>Skip a crypto loan payment and your collateral gets liquidated fast. Learn exactly what happens, forced sales, tax events, credit damage, before you borrow.</description>
      <pubDate>Sun, 09 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/ltv-liquidation/what-happens-if-you-dont-pay-back-a-crypto-loan/</guid>
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    <item>
      <title>Is Crypto Lending Legit? FTC Red Flags & 5-Point 2026</title>
      <link>https://borrow-against-bitcoin.com/crypto/is-crypto-lending-legit/</link>
      <description>Is crypto lending legit? Learn the FTC red flags, SEC regulatory gaps, IRS tax rules, and a real numeric example to verify any lender before you borrow in 2026.</description>
      <pubDate>Sat, 08 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/crypto/is-crypto-lending-legit/</guid>
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      <title>Crypto Lending Risks: 7 Dangers With Real Dollar Scenarios</title>
      <link>https://borrow-against-bitcoin.com/crypto/risks-of-crypto-lending/</link>
      <description>What are the risks of crypto lending? Liquidation, smart-contract failures, regulatory gaps and IRS traps, each danger explained with real numbers for US</description>
      <pubDate>Fri, 07 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/crypto/risks-of-crypto-lending/</guid>
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    <item>
      <title>Is Crypto Lending Risky? 6 Real Dangers Every Borrower Must</title>
      <link>https://borrow-against-bitcoin.com/crypto/is-crypto-lending-risky/</link>
      <description>Is crypto lending risky? Yes, and in specific, measurable ways. This guide breaks down liquidation risk, platform insolvency, tax exposure, and how to</description>
      <pubDate>Thu, 06 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/crypto/is-crypto-lending-risky/</guid>
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    <item>
      <title>Can You Make Money with Crypto Lending? Tax Drag & Real</title>
      <link>https://borrow-against-bitcoin.com/tax-rules/can-you-make-money-with-crypto-lending/</link>
      <description>Crypto lending can generate yield, but tax rates of 10%–37% and real liquidation risks cut deep into returns. Here's what every US reader must know before</description>
      <pubDate>Wed, 05 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/tax-rules/can-you-make-money-with-crypto-lending/</guid>
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    <item>
      <title>Who Pays Taxes on a Custodial Account? 2026 Kiddie Tax Rules</title>
      <link>https://borrow-against-bitcoin.com/how-it-works/who-is-responsible-for-paying-taxes-in-a-custodial-account/</link>
      <description>Find out who actually owes taxes on a custodial account, the child, the parent, or both, and how the 2026 Kiddie Tax rules determine the bill each year.</description>
      <pubDate>Tue, 04 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/how-it-works/who-is-responsible-for-paying-taxes-in-a-custodial-account/</guid>
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    <item>
      <title>How Crypto Lending Works: LTV, Collateral & IRS Rules 2026</title>
      <link>https://borrow-against-bitcoin.com/how-it-works/how-does-crypto-lending-work/</link>
      <description>Learn how crypto lending works: collateral, LTV ratios, liquidation triggers, repayment, and how the IRS taxes digital asset loans in 2026.</description>
      <pubDate>Mon, 03 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/how-it-works/how-does-crypto-lending-work/</guid>
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      <title>Crypto Lending Explained: Collateral, LTV Math & IRS Rules</title>
      <link>https://borrow-against-bitcoin.com/how-it-works/crypto-lending-explained/</link>
      <description>Crypto lending explained for US borrowers: how collateral works, real LTV math, liquidation triggers, IRS tax treatment, and what to watch out for in 2026.</description>
      <pubDate>Sun, 02 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/how-it-works/crypto-lending-explained/</guid>
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    <item>
      <title>Who Pays Taxes on a Custodial Account? 2026 Kiddie Tax Rules</title>
      <link>https://borrow-against-bitcoin.com/tax-rules/who-pays-taxes-on-a-custodial-account/</link>
      <description>Who pays taxes on a custodial account? The child does, but the kiddie tax can shift that burden to the parent's rate. Full 2026 thresholds, worked example</description>
      <pubDate>Sat, 01 Aug 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/tax-rules/who-pays-taxes-on-a-custodial-account/</guid>
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      <title>Custodial Account Tax Rules: Kiddie Tax & 2026 Thresholds</title>
      <link>https://borrow-against-bitcoin.com/tax-rules/custodial-account-tax-rules/</link>
      <description>Custodial account tax rules explained: the $2,700 kiddie-tax threshold, who files, Form 8814, gift-tax limits, and the one mistake that costs families the most.</description>
      <pubDate>Fri, 31 Jul 2026 02:00:00 GMT</pubDate>
      <dc:creator>Katie Bailey</dc:creator>
      <guid>https://borrow-against-bitcoin.com/tax-rules/custodial-account-tax-rules/</guid>
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