Convert Bitcoin to TAU Lending Optimizer on Taler (BTC → TLO)

Swap BTC on Bitcoin to TLO on Ethereum in one step, without bridging it yourself. Powered by NEAR Intents.

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Swap BTC to TLO

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How to convert Bitcoin to TAU Lending Optimizer on Taler

The widget above is already set to BTC on Bitcoin → TLO on Ethereum. The whole swap runs in one flow through NEAR Intents:

Step 1: Choose how to pay
Connect any Bitcoin wallet that holds your BTC. Or turn on Swap from external wallet to get a deposit address and QR code you can pay from any wallet or exchange; you then add an address on Bitcoin for refunds.

Step 2: Enter the amount and where to receive
Type how much BTC to swap and the Ethereum address that receives the TLO, from any EVM wallet such as MetaMask or Rabby. The widget shows how much TLO you will receive, fees included, before you confirm.

Step 3: Confirm and send
Approve the transfer in your wallet, or send the amount to the deposit address. Once it confirms on Bitcoin, solvers fill the swap and the TLO is sent to your address on Ethereum. If the swap can't be filled, your BTC is refunded.

Prefer to keep a balance inside NEAR Intents? The Deposit tab adds BTC to it, Swap trades within it, and Withdraw sends tokens out to their own networks.

⚠ Important: receive on an address you control. If you send the TLO to an exchange instead, check that it accepts TLO on Ethereum: some exchanges don't credit deposits that come from a smart contract.

About the BTC → TLO swap

This is a cross-chain swap: your BTC leaves Bitcoin and TLO arrives on Ethereum. Normally that takes a bridge plus a DEX, or a centralized exchange account. With NEAR Intents the deposit, swap and withdrawal happen in one flow, and what lands in your wallet is TLO on Ethereum, ready to use there with no second bridging step.

Both BTC and TLO float against the dollar, so the BTC/TLO rate moves with two markets at once. Traders use this pair to rotate between ecosystems in a single step instead of selling to a stablecoin first.

About Bitcoin and TAU Lending Optimizer on Taler

What is Bitcoin (BTC)?

Bitcoin is the first decentralized cryptocurrency, described in a 2008 white paper by the pseudonymous Satoshi Nakamoto and brought to life when its network went live in January 2009. BTC is the native unit of that network and moves directly between users without a bank or payment processor in the middle.

Type
Layer-1 blockchain
Launched
2009
Consensus
Proof of Work (SHA-256)
Max supply
21 million BTC
Swap network
Bitcoin
Sector (Messari)
Cryptocurrency
Bitcoin official site ↗Sector classification by Messari ↗

How Bitcoin works

Miners compete to add blocks by running SHA-256 hashing hardware in a Proof of Work process, and the chain with the most accumulated work is treated as valid. Every full node independently checks each transaction against the rules, so the ledger's history becomes harder to alter with every block stacked on top.

What BTC is used for

Most holders treat BTC as a long-term store of value and a hedge outside the traditional financial system. It is also used for cross-border transfers, as collateral in lending markets, and as a base trading pair across the crypto industry.

BTC supply

The protocol limits total issuance to 21 million BTC. New coins enter circulation only as block rewards, and that reward is cut in half roughly every four years in an event known as the halving.

Before you swap BTC

Bitcoin blocks arrive about every ten minutes on average, so a BTC deposit can take noticeably longer to confirm than deposits on faster chains. Double-check the receiving address format before withdrawing, since Bitcoin transactions cannot be reversed.

What is TAU Lending Optimizer on Taler (TLO)?

TLO is the share token of the TAU Lending Optimizer, a vault built on Taler, a protocol that provides infrastructure for curated on-chain yield. The vault was deployed on Ethereum in May 2026 and accepts USDC. Taler states that its contracts were audited by Quantstamp between March and April 2026.

Type
Yield-bearing vault share (USDC)
Launched
2026
Consensus
Runs on Ethereum
Max supply
No fixed cap (minted on deposit, burned on redemption)
Swap network
Ethereum
TAU Lending Optimizer on Taler official site ↗

How TAU Lending Optimizer on Taler works

Depositing USDC mints TLO and redeeming burns it. A curator decides where the money goes, and Taler's valuation adapters cover lending positions on Aave V3 and Morpho Blue. Strategy actions pass through permission checks, NAV checks and circuit breakers. Redemptions are asynchronous: a request joins an epoch, the executor settles it, and the USDC is then claimed.

What TLO is used for

Holders use TLO to earn lending yield on dollars while keeping a transferable token. Through NEAR Intents it can also be swapped for other assets without waiting in the vault redemption queue.

TLO supply

There is no fixed supply. TLO is minted on deposit and burned on redemption, and vault fees are paid by minting new shares to fee recipients. The token uses 8 decimals.

Before you swap TLO

TLO is a yield-bearing vault share, not a stablecoin, so its price moves with the vault net asset value instead of holding exactly one dollar. Liquidity is limited, so check the quote before confirming.

Looking for the reverse?Convert TLO to BTC →
More swaps:All BTC pairs →All TLO pairs →

Swap BTC for other tokens

BTC → GNEARBTC → ETHBTC → NEARBTC → SOLBTC → USDTBTC → USDC

Other ways to get TLO

ETH → TLONEAR → TLOUSDT → TLOUSDC → TLO

Popular token swaps

BTC → ETHBTC → SOLBTC → USDTBTC → USDCBTC → XRPBTC → NEARBTC → DOGEBTC → ADABTC → LTCETH → NEARETH → SOLETH → USDTETH → USDCETH → XRPSOL → USDCNEAR → USDTETH → BNBSOL → NEARETH → AVAXETH → ARBNPRO → NEARNPRO → USDC

View all token swap pairs →

BTC to TLO: frequently asked questions

What to know before swapping Bitcoin for TAU Lending Optimizer on Taler

Use the widget on this page, already set to BTC on Bitcoin → TLO on Ethereum: connect your wallet or pay by QR code, enter the amount and your Ethereum address, and confirm. NEAR Intents swaps it and sends the TLO to that address in one flow, and the widget shows the exact amount you will receive before you confirm.