Australian regulated bitcoin-backed lending.For borrowers and platforms.

No rehypothecation. Assets are held in segregated cold storage with Zodia Custody, supported by Zodia's multi-layered insurance program.

Borrow against your bitcoinInfrastructure for platforms
What we do

For borrowers and platforms

  • For borrowers

    Bitcoin-Backed Loans

    Borrow Australian dollars against your Bitcoin without selling it. Fixed rate, capped at 50% LVR, over a 12-month term. Your collateral is held in segregated, insured custody and never lent out.

    We help:

    • IndividualsDebt consolidation, home renovations, medical bills or other immediate cash needs
    • CompaniesCash flow for business expansion or paying overheads
    • High Net Worth IndividualsLooking to diversify investments

  • For platforms

    Lending-as-a-Service

    Exchanges, fintechs, digital asset platforms and traditional lenders offer Bitcoin-backed lending under their own brand, on our infrastructure. Referral in days, white label in weeks, or build on the full API.

    We provide:

    • White LabelYour brand and domain, our back office and credit engine
    • Full APIEnd-to-end APIs with full audit logs
    • For ExchangesTurn held balances into a credit product
Why Vield

Not all Bitcoin-backed loans are equal

Licensed and regulated

Loans can be issued under Australian Credit Licence 526970, with Vield Capital as Credit Representative 553950 and AUSTRAC registration for digital currency services.

Insured, segregated custody

Your collateral sits with Zodia Custody in bank-grade cold storage, in a unique segregated wallet that's never commingled with another customer. Insured to USD $55 million per incident against theft, hacking, damage or destruction.

Never rehypothecated

We do not lend, stake, or reuse your Bitcoin. It stays untouched for the life of the loan, and you can verify it on-chain at any time.

$50M+
In loans approved
1,000+
Clients
50%
Maximum LVR
2023
Lending since

Partners and industry bodies

The product

How it works

Loan terms

Maximum LVR
50%
Term
12 months
Rate
Fixed
Repayments
Quarterly, interest only
Minimum loan
$2,000 AUD
Collateral
Never reused

*Rates and terms are subject to change. Other terms and conditions may apply. Comparison Rate is 16.20% p.a. The comparison rate is based on a $5,000 secured loan for a term of 12 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Trust, insurance and security

Why borrowers prefer Vield

Trust

As an Australian crypto platform, we have obtained relevant authorisations to comply with local regulations. Credit Representative 553950 under Australian Credit Licence 526970.

Insurance

Your assets are securely insured through Zodia Custody, covering up to $55 million USD per incident. This includes protection against theft, hacking, and cyber incidents, ensuring your crypto stays safe under institutional-grade insurance.

Security

Your crypto remains untouched and fully secured throughout the loan term. It is stored with Zodia Custody using cold storage and multi-layer protection.

Non-rehypothecation policy

We never rehypothecate your assets. That means we don't lend, stake or reuse your assets. Your collateral is kept secure, used solely to back your loan, with no hidden risks involved.

Low defaults

High credit writing standards keep default rates near zero, and Vield has seen near zero defaults since lending began in 2023. A maximum 50% LVR cap at origination, daily monitoring and automated reminders mean you are warned early and have time to act long before enforcement is ever on the table.

ATO CGT ruling

The ATO has confirmed in a private binding ruling that pledging Bitcoin as collateral under our loan structure does not constitute a disposal. A private ruling applies to the taxpayer who obtained it, so speak to your own adviser about your circumstances.

Read about the ruling
As an Australian crypto platform, we have obtained relevant authorisations to comply with local regulations. Credit Representative 553950 under Australian Credit Licence 526970.
Your assets are securely insured through Zodia Custody, covering up to $55 million USD per incident. This includes protection against theft, hacking, and cyber incidents, ensuring your crypto stays safe under institutional-grade insurance.
Your crypto remains untouched and fully secured throughout the loan term. It is stored with Zodia Custody using cold storage and multi-layer protection.
We never rehypothecate your assets. That means we don't lend, stake or reuse your assets. Your collateral is kept secure, used solely to back your loan, with no hidden risks involved.
High credit writing standards keep default rates near zero, and Vield has seen near zero defaults since lending began in 2023. A maximum 50% LVR cap at origination, daily monitoring and automated reminders mean you are warned early and have time to act long before enforcement is ever on the table.
The ATO has confirmed in a private binding ruling that pledging Bitcoin as collateral under our loan structure does not constitute a disposal. A private ruling applies to the taxpayer who obtained it, so speak to your own adviser about your circumstances.
Read about the ruling

Testimonials

"We get to see how a lot of crypto businesses operate from the inside, and Vield is one of the best-run we've come across. The custody is properly thought through, and they clearly take the security side seriously. For anyone considering a Bitcoin-backed loan in Australia, we couldn't recommend them higher."
Jock HaslamCo-Founder, Hashlock
"In institutional custody, the operational standards around how an asset is held are everything. Vield has built their product around those standards from the start. For borrowers pledging Bitcoin, that's the question they should be asking first."
Ryan HodgesCEO, Zodia Custody
"Vield is the only Australian crypto-backed lender that has obtained an ATO Private Binding Ruling on the CGT treatment of customer deposits. Under their loan structure, the ATO has confirmed that pledging Bitcoin as collateral isn't a disposal for CGT purposes. For long-term holders, that's the question that has held back the entire industry. Cadena Legal was glad to help Vield get the ruling."
Harrison DellFounder, Cadena Legal
"Taking a comprehensive, risk-based approach to cyber security is critical in the digital finance space. Drawing on my background in banking technology and cyber governance, our focus is to provide Vield with rigorous, independent oversight that strengthens their defensive posture and supports their commitment to safeguarding client assets."
John BairdFounder & CEO, Revio
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