bolt Sat Savings Cooperative on Bitcoin — complete Islamic finance
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Sat Savings Cooperative
Powered by Bitcoin

Save · Invest · Partner · Pay · Borrow — all on Bitcoin & Lightning Network, following Islamic finance principles (no interest)

Lightning QR
bolt Lightning Address Receive with Lightning Address Scan from any Lightning wallet — Sats arrive instantly @ln-btc.com
55 services
100%100% automated
GlobalGlobal Lightning Network
฿Thai PromptPay QR
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USERS
Cooperative members
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0
WALLETS
Wallets
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PAYMENTS
Successful transactions
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0 sats
SATs transferred
≈ 0 BTC
Our services

Complete finance on Bitcoin

5 Islamic finance products — choose what fits your goals

mosque

Islamic finance on Bitcoin technology

All services are interest-free (Riba) per Shariah — Wadiah, Mudarabah, Musharakah and interest-free lending

savings
الوديعة

Save Sats (Wadiah)

Wadiah — Savings

Safekeeping deposits (Amanah) — your principal is preserved, usable as collateral or long-term savings, withdraw anytime

  • Start saving with a small minimum
  • Principal preserved 100%
  • Withdraw anytime via Lightning
trending_up
المضاربة

Invest (Mudarabah)

Mudarabah — Investment

Profit-sharing investment — the cooperative manages (Mudarib), you provide capital (Rab al-Mal), profits shared per agreed ratio

  • Profit sharing, not interest
  • Transparent, track performance
  • Shared risk per Shariah
handshake
المشاركة

Partnership (Musharakah)

Musharakah — Partnership

Joint venture with the cooperative and members — all contribute capital, share profit/loss by equity ratio

  • Start with a small amount
  • Share profit/loss by equity
  • Invest in real businesses on Bitcoin
qr_code_scanner
الدفع

Payment

Payment — Lightning + PromptPay

Pay with Sats — scan Lightning QR anywhere in the world, or convert to Thai Baht and pay via PromptPay QR

  • Pay globally with Lightning
  • Pay Thai PromptPay QR
  • Instant transfers between members
account_balance_wallet
القرض الحسن

Borrow (Qard Hasan)

Loan — Interest-free USDT

Borrow USDT against Bitcoin — BTC/Sats collateral locked, borrow up to 70%, no interest, profit-based tiered APY

  • Borrow up to 70% of collateral
  • Profit rate 5.5–11.5% p.a.
  • Repay anytime, partial payments ok
bolt
الشبكة

Lightning Network

The technology behind it

Bitcoin Layer 2 — instant transfers, near-zero fees, globally connected, cryptographically secure

  • Instant, no confirm wait
  • Very low fees
  • Global 24/7
Key Partners

Technology we use

Lightning Network Lightning Network
Bitcoin Bitcoin
LNbits LNbits
FixedFloat FixedFloat
PromptPay PromptPay
Binance BSC BSC (BEP-20)
Tron TRC20 TRC20 (Tron)
Ethereum Ethereum
Phoenix Phoenix
Alby Alby
Nostr Nostr
Wallet of Satoshi Wallet of Satoshi
Zeus Zeus
Blixt Blixt
Blue Wallet Blue Wallet
Lightning Network Lightning Network
Bitcoin Bitcoin
LNbits LNbits
FixedFloat FixedFloat
PromptPay PromptPay
Binance BSC BSC (BEP-20)
Tron TRC20 TRC20 (Tron)
Ethereum Ethereum
Phoenix Phoenix
Alby Alby
Nostr Nostr
Wallet of Satoshi Wallet of Satoshi
Zeus Zeus
Blixt Blixt
Blue Wallet Blue Wallet
How it works

Get started in 3 steps

No paperwork, no approval wait — everything automated

1

Create account / Login

Join the cooperative free with username & email

2

Deposit Sats / BTC

Send Sats to your Lightning wallet or BTC on-chain — 3 ways to top up

3

Choose a service

Save, invest, partner, pay or borrow — all in one place

smartphone
New — pay with Sats

Pay any Thai PromptPay QR with Sats

The shop only accepts PromptPay? Pay instantly with Sats from your wallet — we convert to Baht, the shop gets paid as usual. No bank balance needed.

  • 1 Open Wallet and tap “Scan”
  • 2 Scan the shop's PromptPay QR — the same one your banking app scans
  • 3 Enter the Baht amount — Sats calculated automatically, shown before confirm
  • 4 Confirm → paid with Sats instantly. Shop receives Baht + slip
qr_code_scanner Scan in Wallet
BTC / USDT

Bitcoin price vs USDT

Every cooperative transaction references real Bitcoin price — track trends over time

— USD —
— · Last updated every 30 min
Profit rate (APY)

Transparent tiered rates

Lower LTV = better rate — calculate before borrowing

LTV below 40%5.5% p.a.
LTV 40–49%7.0% p.a.
LTV 50–54%9.0% p.a.
LTV 55–59%10.5% p.a.
LTV 60%+ (max 70%)11.5% p.a.
* LTV = loan ÷ collateral value · 3% service fee deducted (borrow 20 USDT, receive 19.4 USDT)

Ready to join the Sat Savings Cooperative?

Save, invest, partner, pay, borrow — all in one place on Bitcoin