The downside is borrowing money is applying leverage to a historically volatile asset. If btc price goes against you medium term, you could lose your entire investment. If you simply hold btc, you avoid this risk.
Did you even visit the website?
That's not how their product works:
If the value of a house on a mortgage goes down, you don't need to pledge additional collateral. If you choose to receive your bitcoin in installments, that bitcoin will never be liquidated due to price volatility, even if there is a 99% dip. You just need to make your monthly payments.
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