Bitcoin Backed Lending-as-a-Service
Plug Bitcoin-backed lending straight into your platform, without the infrastructure and compliance hurdles. Your brand, your customers, our credit engine.
Trusted Partners
- $50M+
- Loans approved
- 1000+
- Clients served
- 50%
- Maximum LVR
- 2023
- Lending since
Licensed cover
Loans originated through us will fall under Australian Credit Licence 526970, with Vield Capital as Credit Representative 553950, alongside AUSTRAC registration for digital currency services. Your platform can offer .
Live in weeks
A trackable referral link takes days. White-labelled lending running under your brand takes one to two weeks. A full API integration takes six to twelve. None of them takes years.
Your brand, your capital
Partners retain their brand and client relationships in full. We offer flexibility in funding models and can extend our warehouse facility to reduce balance sheet commitments from the partner. Alternatively, loans may be funded against the partner's own capital. Partners who prefer to retain custody of client assets may do so under their own custodial arrangements.
A plug-and-play, enterprise-grade credit engine
Your clients want Bitcoin-backed credit. Building it means a credit licence, institutional-grade custody, underwriting, continuous collateral valuation, an automated liquidation engine, loan servicing and committed funding, all live before the first loan is written.
Vield has run that stack in production since 2023 with over $50 million in loans written. Lending-as-a-Service puts it behind your brand: you keep the client, we run the infrastructure.
White-labelled Bitcoin-backed lending in under 60 days, running under your brand- Licensing and compliance. ASIC-regulated and AUSTRAC-registered
- Real-time valuation. Continuous pricing of every unit of posted collateral
- LVR monitoring. Automated margin management across the book
- Liquidation. Proven live through a full market cycle with zero capital losses
- Loan servicing. Repayments, statements and customer communications
- Funding. Warehouse capital, so no partner balance sheet is required
Who plugs in
Any platform whose customers hold Bitcoin and would rather borrow against it than sell it.
- Crypto exchanges
- Banks
- Fintechs and neobanks
- Non-bank lenders
- OTC desks
- Digital asset platforms
Four ways to plug in.
Partners keep their brand and their client relationship, and choose how deep the integration goes.
- 01
Referral
Several days
A trackable link. Customers apply on the Vield site and the partner can earn a referral payment on every customer who successfully has a loan approved with us.
- 02
White Label
1 to 2 weeks
The product runs on the partner's own domain under their branding. Vield runs the back office and the lending.
- 03
Hybrid
4 to 6 weeks
Prebuilt application, KYC, deposit and dashboard components, with secure SSO and webhooks.
- 04
Full API
6 to 12 weeks
End to end: onboarding, KYC, live LVR monitoring, pricing, liquidation, disbursement, full audit logs.
"Serving our clients reliably and at scale has become more important than ever."
Why partner with Vield
Every capability below has to be built, licensed, staffed and kept running before a platform can write its first Bitcoin-backed loan, and most of them depend on each other. Partners can get all of it on day one.
| Capability | With Vield | DIY |
|---|---|---|
| Credit licensing | We offer convenience and flexibility. You can bring your own credit licence or we can originate the loans under Australian Credit Licence 526970, with Vield Capital Pty Ltd as Credit Representative 553950. You can become a credit representative under an Australian Credit Licence if desired, subject to regulatory requirements. | An Australian Credit Licence application, supported by responsible lending policies, a compliance function, external dispute resolution membership and a nominated responsible manager. ASIC assesses it on its own timetable, lending cannot start until it is granted, and the obligations continue for as long as the licence is held. |
| Digital asset registration | Vield Pty Ltd is registered with AUSTRAC as a virtual asset service provider (VASP) and an independent remittance dealer. | AUSTRAC registration which requires an AML/CTF programme and the necessary controls in place that is commensurate with the size of your business. |
| Custody | Segregated, insured cold storage with Zodia Custody, which is FCA-registered and owned by Standard Chartered, Northern Trust, NAB and SBI. Vield is also independently audited by Hashlock. Partners who would rather hold their own customer assets under their own custody can do that instead. | A custodian to select and negotiate with, insurance to place, and a segregation model to design, document and prove. Institutional custodians run their own due diligence on you first, and that process takes as long as it takes. |
| Underwriting and risk | A credit model that’s been live since 2023, with a 50% LVR cap at origination and a documented notice ladder at 65%, 70%, 75% and 85%. | A credit policy for an asset class with no established underwriting convention, then taken through credit committee and signed off by people who stay accountable for it. |
| Collateral valuation and monitoring | Continuous pricing of every unit of posted collateral and automated management across the book. | Market data agreements, a valuation engine, and monitoring that never stops. Crypto does not keep business hours, so the roster has to cover the night the market moves twenty percent. |
| Liquidation | A liquidation engine proven live through a full market cycle, with zero capital losses and a near zero default rate. | Execution venues, hedging relationships, and a liquidation process that stays theoretical until the day it is needed. |
| Loan servicing | Repayments, statements, customer communications and full audit logs. | A servicing platform, collections management, hardship provisions and complaints handling, all staffed, documented and auditable. This is where a lending business spends most of its operating effort. |
| Funding | Flexibility with tapping into our debt warehouse and/or funding the loan book yourself. | Balance sheet allocation, or a warehouse facility negotiated from a standing start with counterparties who will want to see the custody arrangements and a track record that does not exist yet. |
| Time to first loan | Days for a referral link. One to two weeks white-labelled. Six to twelve weeks for a full API build. | Years, and most of it is not engineering. Each dependency gates the next: licence before funding, custody before collateral, monitoring before the first loan can safely be written. |
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, RevioA regulatory, infrastructure and operations solution ready to go
Every piece below is already built, licensed and running in production. Partners can get all of it on day one.
Licensing, in place
ASIC-regulated credit, AUSTRAC registration and an Australian Credit Licence structure, with four years of operating history behind them. We can extend our regulatory experience to your platform.
Tax position, settled
The ATO private binding ruling on the CGT treatment of customer deposits has already been obtained. Your customers get that certainty from the first loan you write.
Credit engine, running
Underwriting, valuation, LVR monitoring and liquidation, proven through a full market cycle on the most volatile collateral there is, with zero capital losses.
Custody, arranged
Segregated, insured cold storage with Zodia is already in place, which is FCA-registered and backed by Standard Chartered, Northern Trust, NAB and SBI. Independently audited by Hashlock. No custodian to negotiate with, no insurance to place.
Collateral, never reused
Vield is the only Bitcoin-backed lender in Australia that never lends out or deploys a client's Bitcoin. That policy already governs the book your customers would join.
A live book
More than $50 million in approved loans to over 1,000 clients since 2023 with a near zero default rate. The demand is proven and the credit policy holds.
Frequently asked questions
