I believe what you describe is true for anytime collateral
is used for a loan.
Thus exorbitant rates and short terms around here. The OP wants no risk all reward.
If the OP wants to hold the bitcoin, the lender can add a clause to the Note that automatically terminates the loan if the value of the owed bitcoin exceeds the value of the stablecoin for an agreed upon length of time, and no additional stablecoin is deposited to the lender, or lender's behalf if using a middleman.
Basically a margin call. Might work but I don't think the OP would agree to that.