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Ducat Protocol

In-depth review
Finance & Business

Ducat Protocol enables Bitcoin holders to borrow dollar-pegged stablecoins, UNIT or USDC, against their BTC without surrendering custody. It operates natively on Bitcoin L1, with all loan logic, including vaults and liquidations, enforced by Bitcoin transactions. Ducat offers 0% APR loans, with a one-time 7% Minting Service Charge.

Catalogued October 23, 2026 · Curated by PWA Directory team
💰Ducat Protocol
ducatprotocol.com
Ducat Protocol, as it opens in a browser tab

Ducat Protocol, as it opens in a browser tab.

Online Only
Installable
Cross-Platform
$
Paid

Not sure how to add Ducat Protocol to your home screen? Step-by-step for Chrome, Safari, Firefox and Edge — it takes about ten seconds, and there is no app store involved.

Own Ducat Protocol? Have us re-run this measurement — we open it in a real browser, cut the network, and send you what survived.

Tags
bitcoin-loansstablecoinbtc-backeddeficrypto-lendingdecentralized-financebitcoin-l1

How to install Ducat Protocol as a PWA

Chrome / Edge
Menu (⋮) → Add to Home screen
Safari (iOS)
Share (↑) → Add to Home Screen
Firefox
Menu (⋮) → Install

Screenshots

Ducat Protocol screenshot

Why we recommend Ducat Protocol

Ducat Protocol stands out by offering Bitcoin-backed loans with 0% APR, a significant departure from traditional lending models. Its core strength lies in its commitment to Bitcoin L1, ensuring that all loan operations, such as vaults, liquidations, and redemptions, are enforced directly by Bitcoin transactions. This design minimizes reliance on L2s or external chains, enhancing security and transparency. Users can borrow UNIT or USDC while maintaining custody of their BTC in a 2-of-2 Taproot multisig vault, providing a high degree of control. The protocol charges a single 7% Minting Service Charge, with no ongoing interest, simplifying cost structures for borrowers seeking dollar liquidity without selling their Bitcoin.

Best use cases

Best for: Bitcoin holders looking to access dollar liquidity (UNIT or USDC) without selling their BTC and incurring taxable events. It's ideal for those who wish to maintain full exposure to Bitcoin's potential upside while needing short-term dollar funds. Also suitable for users prioritizing security and transparency through Bitcoin L1-native operations and 2-of-2 multisig vaults.

Honest limitations

Ducat Protocol is not for users seeking completely free services, as it charges a one-time 7% Minting Service Charge. It also may not be suitable for individuals residing in restricted jurisdictions such as North Korea, Iran, Russia, Belarus, mainland China, Cuba, Myanmar, Crimea, Donetsk or Luhansk. Users must also be aware of the inherent risks associated with BTC price volatility and experimental protocol software.

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