Bitcoin

1. What happens to my Bitcoin after I lock it?

Your Bitcoin is stored securely in a 3-key multi-signature address. It remains locked as collateral for the duration of the loan and cannot be moved by any single party.

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2. Who has access to my Bitcoin?

No single party has full access. The 3 keys are held as follows:

• One key is generated and held by you in your browser

• One key is held by Neutron

• One key is held by a neutral third-party custodian Your funds can only be moved with a 2-of-3 key agreement.

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3. What is a multi-sig escrow address?

It’s a Bitcoin address that requires multiple keys (2 of 3) to authorize any transaction. This structure provides shared custody and ensures your BTC can’t be moved without your participation.

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4. Which wallets can I use to send my Bitcoin?

You can use any non-custodial Bitcoin wallet that supports standard on-chain transactions. Hardware wallets and browser-based wallets are both supported.

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5. How long does the escrow setup process take?

The process is automated and near-instant. Once you confirm your loan and collateral terms, your multi-sig address is generated in seconds.

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6. Why is the Bitcoin address different than what I expected?

The Bitcoin address shown is a newly generated multi-sig escrow address, created specifically for your loan. This ensures no address reuse and maximum security.

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7. Why are there multiple addresses involved in the transaction?

You may see additional addresses involved due to the nature of multi-sig escrow (e.g., key signing parties and fee outputs). This is expected and part of the protocol design.

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8. Can I speed up the confirmation process (RBF/CPFP)?

Yes, you can use Replace-By-Fee (RBF) or Child-Pays-For-Parent (CPFP) if supported by your wallet. This can help expedite confirmations during network congestion.

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9. Can I send a different amount than what was proposed?

No. The loan terms and collateral amount are fixed during setup. Always send the exact BTC amount shown, or the loan will not process correctly.

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10. What if I don’t finish the collateral setup?

If you don’t complete the setup, your loan will expire automatically after a short window, and no funds will be disbursed or locked.

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11. Who pays the Bitcoin network (on-chain) fee?

The network (miner) fee for sending BTC to the multi-sig address is paid by you, the borrower. This is standard for on-chain transactions.

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12. What is the network fee and how is it calculated?

The network fee depends on Bitcoin’s current blockchain congestion and your wallet’s fee settings. Neutron does not charge or modify this — it goes directly to miners.

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13. When will I get my Bitcoin back?

Your BTC is released back to your original return address once the full loan and interest are repaid. The release is automated and verifiable.

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14. What if I input the wrong Bitcoin return address?

You will be asked to confirm your return address carefully during the setup. If the wrong address is entered, Neutron cannot recover your funds after disbursement. Always double-check.