Bitcoin-Backed Loans
Over $50M in loans approved. Over 1000 clients. Borrow Australian dollars against your Bitcoin without selling it. Your collateral stays yours: segregated, insured, and never lent out.
Trusted Partners
- 13%
- Fixed annual rate
- 50%
- Maximum starting LVR
- 2%
- One-time origination fee
- 2023
- Lending since
Licensed and regulated
Loans are issued under Australian Credit Licence 526970, with Vield Capital as Credit Representative 553950.
Insured, segregated custody
Customer's Bitcoin is held in segregated cold storage with Zodia Custody Australia, supported by Zodia Custody Australia's multi-layered insurance program.
Transparency
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.
What is a Bitcoin-backed loan?
A Bitcoin-backed loan lets you borrow Australian dollars using your Bitcoin as security.
You keep ownership of the asset throughout the term.
You deposit collateral into a wallet held in your name, and can borrow up to 50% of its value.
Interest is fixed for the full 12 months, repayments are quarterly, and when you repay in full your collateral is returned.
Access liquidity without triggering a capital gains event- Keep every cent of upside if Bitcoin appreciates during the term
- Lock in a fixed rate and a fixed 12-month term
- Have funds in your Australian bank account
- Track your collateral on the blockchain, 24 hours a day
Borrow for what matters to you
Lifestyle & big purchasesTravel, a wedding, a new car or a boat
Health, education & familyMedical procedures, school fees and childcare
Debt & emergenciesConsolidating debt and emergency expenses
Buying property & bridgingBridging and settlement shortfalls
Home improvements & repairsRenovations, solar, pools and repairs
Business cash flow & working capitalPayroll, stock and seasonal gaps
Business equipment & expansionEquipment, vehicles and fit-outs
Buying, starting & selling a businessBuyouts, franchises, succession and startups
How it works
Loan terms
- Maximum starting LVR
- 50%
- Term
- 12 months
- Rate
- Fixed
- Repayments
- Quarterly, interest only
- 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.
"We created Vield because we faced the same challenges other long-term Bitcoin holders face. So we built a platform that lets you unlock your bitcoin's potential while keeping full ownership."
Not all Bitcoin-backed loans are equal
When it comes to borrowing against your crypto, not all platforms are created equal. At Vield, trust and transparency are at the core of everything we do. Our clients choose us specifically for our commitment to non-rehypothecation, wallet visibility, and security.
| Feature | Vield | Competitors |
|---|---|---|
| Rehypothecation policy | We do not lend, stake or reuse customers’ Bitcoin pledged as collateral. Your Bitcoin is stored in a unique wallet verifiable on-chain. | Lenders often rehypothecate client assets, using them for other purposes, which can introduce additional risks. |
| Collateral security | Your collateral is held with Zodia Custody Australia in institutional-grade cold storage, at an address assigned to you alone, so you know your assets are safe and traceable at all times. Learn more about our ongoing commitment to security | Security measures vary; some may not provide transparent tracking of individual collateral. |
| Regulatory compliance | We operate under strict Australian financial regulations and appropriate licences. Vield Pty Ltd (ABN 92 658 666 356) is a digital currency service provider registered with AUSTRAC (DCE100809730-001). Vield Capital Pty Ltd (ABN 38 672 205 113) as Credit Representative (No. 553950) of LSL Alternative Credit Pty Ltd (ABN 55 641 811 181) Australian Credit Licence No. 526970. | Compliance levels vary; some platforms may operate in jurisdictions with less stringent regulations or be based offshore. |
| Asset management transparency | We never engage your assets with DeFi platforms or hedge funds to secure liquidity. Your crypto stays right where you store it, fully accounted for within secure wallets. | Some platforms may use assets for liquidity in DeFi or hedge funds, which can expose client collateral to additional market risks. |
| Insurance | Customer's Bitcoin is held in segregated cold storage with Zodia Custody Australia, supported by Zodia Custody Australia's multi-layered insurance program. This is institutional-grade protection rarely seen in Australian crypto platforms. | Most competitors do not provide insured custody, leaving assets exposed to loss or theft without reimbursement options. |
| Wallet visibility | You’ll have 24/7 real-time visibility of your crypto holdings in secured wallets, ensuring you have full visibility. | Transparency levels vary; not all platforms offer real-time updates or full visibility on collateral status. |
| Interest rates and fees | Our rate is 13% p.a., compounded daily, with a one-time 2% origination fee. | Interest rates and fees vary; some platforms may have higher rates or hidden charges. |
| Transparency and monitoring | You’ll always be informed about the status of your assets with continuous monitoring and reporting, by email and SMS. | Transparency levels vary; some platforms may not offer continuous updates on collateral status. |
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 HodgesManaging Director, Zodia Custody Australia"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, RevioWhy 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
Customer's Bitcoin is held in segregated cold storage with Zodia Custody Australia, supported by Zodia Custody Australia's multi-layered insurance program.
Security
Bitcoin pledged as collateral is held with best in-class custody provider Zodia Custody Australia using institutional custody arrangements.
Transparency
We do not lend, stake or reuse customers’ Bitcoin pledged as collateral. Your Bitcoin is stored in a unique wallet verifiable on-chain.
Risk management
Vield applies credit assessment standards, a maximum starting LVR of 50%, real-time monitoring and automated notifications to help borrowers stay informed about their loan position and respond to changes in collateral value.
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
