Product catalogue
Seven proposed products, seven legal perimeters
Each card opens a design brief. Savings (a bank deposit) and Earn (assets put to work) are deliberately separated.
Proposed products only. No rates, balances or yields are shown or offered.
Credit · Secured
Fiat Credit Against Crypto
A bank loan in money, secured by BTC/ETH held by a custodian.
Customer journey (concept)
- 1Credit assessment independent of collateral.
- 2Collateral pledged and controlled at the custodian (tri-party).
- 3Disbursement in fiat by the bank or licensed lender.
- 4LTV monitoring; margin call then liquidation per contract.
- 5Repayment releases collateral.
Source of yield / return
Borrower pays interest to the lender; no yield to collateral owner.
Legal classification to verify
Credit provision; enforceability of crypto as collateral must be confirmed.
Regulated entity
Proposed VIFC member bank or separately licensed credit provider.
Licence dependency
Credit permission + custody arrangement + collateral perfection opinion.
Operational guardrails
- •Conservative LTV and haircuts approved by risk committee.
- •No reuse of pledged collateral without explicit consent and legal basis.
- •Liquidation waterfall and notices disclosed in advance.
Client rights
- •Right to cure before liquidation.
- •Return of surplus after liquidation.
Go / no-go conditions
- NO-GO if collateral cannot be perfected or enforced.
- NO-GO for retail without suitability rules.