Blockies 2025 finalist, Startup or Scaleup of the Year, Digital Economy Council of Australia

Bitcoin-Backed Loans for Individuals

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.

Get Started

Trusted Partners

13%
Fixed annual rate
50%
Maximum LVR
2%
One-time origination fee
2023
Lending since

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.

What is a Bitcoin-backed loan?

A Bitcoin-backed loan lets you borrow Australian dollars using your Bitcoin or Ethereum as security, the same way a mortgage uses property. You keep ownership of the asset throughout the term. You are pledging it, not selling it.

You deposit collateral into a wallet held in your name, and 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 within two business days.

With a Vield loan, you can:
  • 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, with no variable surprises
  • Have funds in your Australian bank account within two business days
  • Borrow from $2,000, up to $250,000 personal or $500,000 commercial
  • Track your collateral on the blockchain, 24 hours a day
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.

"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."
Sam Teoh
CFO, Vield (Former CEO of Binance AU)

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.

FeatureVieldCompetitors
Rehypothecation policy

We never rehypothecate your assets. Your collateral is kept secure, used solely to back your loan, with no hidden risks involved.

Lenders often rehypothecate client assets, using them for other purposes, which can introduce additional risks.

Collateral security

We use multi-signature wallets and assign you a unique address, so you know your assets are safe and traceable at all times. Your funds are not commingled with any other customer’s funds.

Learn more about our ongoing commitment to security

Security measures vary; some may not provide transparent tracking of individual collateral. Your funds are also at risk of being commingled with other customers.

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

Your assets are insured through Zodia Custody. Cover runs to USD 55 million per incident for theft, hacking, damage or destruction, with separate cyber and civil liability cover on top. 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 simple one-time 2% origination fee. No hidden fees.

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 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
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
Questions & answers

Frequently asked questions

A crypto-backed loan lets you deposit your Bitcoin or Ethereum as collateral and borrow Australian dollars against it. You keep ownership of the asset for the whole term. Vield holds a security interest over it, registered under the Personal Property Securities Act.
Bitcoin (BTC) and Ethereum (ETH) only, and they must be genuine tokens rather than wrapped or synthetic versions. We accept only assets with established stability, deep liquidity and transparent on-chain tracking, so your collateral can be valued accurately.
Subject to our credit application policies and procedures, you can borrow up to 50% of your collateral’s Australian dollar value, from $2,000 up to $250,000 for personal loans or $500,000 for commercial loans. The rate is 13% p.a. fixed, compounded daily, over a fixed 12-month term, with a one-time 2% origination fee deducted from the advance.
Typically three to five business days from application to funds. Collateral confirms on-chain in 10 to 30 minutes, assessment and approval take one to two business days, and funds reach your nominated Australian bank account within two business days of signing.
Your loan-to-value ratio rises, and we tell you well before it becomes a problem. You receive warnings at 65% and 70%. At 75% you need to bring the ratio back to 65% or lower, either by adding collateral or paying down the balance. Only at 85% is a default notice issued, with time to remedy it. If the price recovers before the deadline, the notice is void and the loan returns to good standing.
In a wallet with an address assigned to you alone, in air-gapped cold storage with Zodia Custody, an FCA-registered institutional custodian backed by Standard Chartered, Northern Trust, NAB and SBI. Assets are held under hardware security modules with multi-approval signing, and insured against theft, hacking, employee fraud and cyber incidents.
No. Vield never rehypothecates, never co-mingles customer assets, and never uses collateral for trading, staking, DeFi or investment. Your wallet address is visible in your account, so you can verify the balance on any public block explorer at any time.
In October 2025 Vield obtained an ATO private binding ruling confirming that depositing crypto as collateral under its loan structure does not trigger a CGT event. It was the first time the ATO has applied the securities lending exemption to cryptocurrency. The ATO cited Vield’s segregated custody and absence of rehypothecation as essential factors. A private ruling is specific to the taxpayer who obtained it, so please speak to your own accountant or tax adviser about your circumstances.
Sydney Harbour at dusk, with the Harbour Bridge, the city skyline and yachts moored in the bay.
Get started

Contact us today