TFTC: A Bitcoin Podcast #740: Hard Asset Lending For The 99% with Sadi Khan
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Apr 27, 2026 
Sadi Khan, Founder/CEO of AVEN, a fintech building asset-backed consumer lending. He talks about AVEN’s Bitcoin-backed credit card with long fixed-rate plans and low APRs. They discuss using Bitcoin as durable collateral, fast origination and liquidation, regulatory and custody strategies, and how engineering and AI drive lower consumer borrowing costs.
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Grind Down Cost Of Capital With Origination Efficiency
- AVEN's mission is to reduce consumers' cost of capital by cutting transaction costs with technology.
- They shrank home equity origination from 4–6 weeks to ~15 minutes and passed savings as 50–70% lower APR on cards.
Childhood In Inflationary Economies Shaped Bitcoin Belief
- Sadi grew up in Bangladesh and Zambia where inflationary currencies shaped his belief in hard assets.
- That background motivated his long-term Bitcoin holding since 2014 and view of Bitcoin as a digital store-of-value.
Bitcoin Backed Card With 10 Year Fixed Rates
- AVEN launched a Bitcoin-backed credit card offering 10-year fixed rate loans starting at 7.99% APR.
- Features include no rehypothecation, BitGo custody, LTVs at 30/50/70%, and a five-year interest-only option.