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This is exactly the kind of small, practical Bitcoin tool I enjoy discovering.

After experimenting with solo mining and learning that my laptop would statistically need around 8.6 billion years to find a block, I started thinking less about chasing improbable rewards and more about tools that make Bitcoin genuinely useful. This project fits that idea perfectly.

I opened it on desktop, and the setup is impressively clear: loan terms, amortized or interest-only payments, BTC collateral, margin-call and liquidation thresholds, payment schedule, and JSON backup. Keeping the data in localStorage is also a sensible privacy-first choice for a personal agreement between friends.

A useful future addition could be a timestamped BTC price source and an exportable agreement snapshot that both parties can sign. Optional multisig escrow would make it even stronger without turning it into another centralized lender.

Transparent rules between real peoplethat feels much closer to Bitcoin’s original spirit. Nice work.