We assemble; the house still verifies
Assistance means a complete pack: chronology, identity fields, beneficial ownership, proof of address. Verified by SafeScore still only means the address is in the label book. A passport check is the lender's.
Products we introduce
Institutional lenders, by rail
SafeScore screens, assists the compliance pack, and introduces lender products. LTV, APR and minimums are quoted from data/crypto_asset_service_providers.csv and remain the house's. Terms change; confirm with the lender. Not an offer of credit.
Swiss FINMA banking and bank-arranged credit
Tier 1 — Swiss bank Lombard
UHNW clients who need USD, EUR or CHF on a traditional wire for real estate or other off-chain assets.
CHF / EUR / USD / SGD · BTC, ETH, SOL and 20+ others
Sygnum Bank
Crypto-backed credit lines and overdrafts in CHF, EUR, USD and SGD against BTC, ETH, SOL (including staked SOL for eligible clients), POL, XRP and 20+ other tokens held in Sygnum custody.
Lombard Lending: Crypto-backed credit lines and overdrafts in CHF, EUR, USD and SGD against BTC, ETH, SOL (including staked SOL for eligible clients), POL, XRP and 20+ other tokens held in Sygnum custody.; Multi-signature Lending: MultiSYG, announced with Debifi on 24 Oct 2025 for launch in H1 2026 — fiat loans against Bitcoin held in a 3-of-5 multi-signature escrow (borrower, Sygnum and independent signers) so the client keeps shared on-chain control rather than full bank custody.
Crypto-backed credit lines and overdrafts in CHF, EUR, USD and SGD against BTC, ETH, SOL (including staked SOL for eligible clients), POL, XRP and 20+ other tokens held in Sygnum custody. Assets stay in the client custody account and lock automatically to the collateralisation level. Same-day assessment for existing clients.
Authorised in Switzerland (FINMA banking and securities-dealer licence). Sygnum also operates licensed hubs in Singapore (MAS CMS), Luxembourg and UAE ADGM (FSRA). The lending pages state products on sygnum.com are authorised in Switzerland and cannot be promoted where Sygnum is not locally authorised. US persons and sanctioned-country persons are not onboarded.
Multi-signature Lending is announced, not a live booking product — confirm availability with the house.
- Must already be (or become) a private qualified or institutional Sygnum client.
- Age 18+.
- Typical relationship floor around CHF 100,000 deposit or trading volume
- Swiss CISA qualified-investor path commonly requires knowledge plus liquid assets of at least CHF 500,000.
- Enhanced KYC, source-of-wealth and source-of-funds.
- US persons excluded (SEC/CFTC).
Major fiat and selected cryptocurrencies · BTC, ETH, SOL, XRP, USDC, USDT and others
AMINA Bank (formerly SEBA)
Fixed-term and roll-over loans, plus overdrafts, secured against crypto (BTC, ETH, SOL, XRP, LTC, ADA, BCH, DOT, USDC, USDT and others, including some staked coins on enquiry) or traditional assets (stocks, ETFs, funds, bonds).
Crypto Credit Lines: Fixed-term and roll-over loans, plus overdrafts, secured against crypto (BTC, ETH, SOL, XRP, LTC, ADA, BCH, DOT, USDC, USDT and others, including some staked coins on enquiry) or traditional assets (stocks, ETFs, funds, bonds).
Fixed-term and roll-over loans, plus overdrafts, secured against crypto (BTC, ETH, SOL, XRP, LTC, ADA, BCH, DOT, USDC, USDT and others, including some staked coins on enquiry) or traditional assets (stocks, ETFs, funds, bonds). Payout in major fiat and selected cryptocurrencies. Minimum loan and overdraft CHF 200,000 or equivalent. Credit cards are issued by Viseca, not AMINA itself.
Swiss FINMA banking and securities-dealer licence (2019, then SEBA). ADGM branch: FSRA Financial Services Permission (Feb 2022) to advise on / arrange credit and custody for Professional Clients. Hong Kong: AMINA (Hong Kong) Limited SFC Types 1, 4 and 9; Type 1 digital-asset dealing uplift for Professional Investors (Oct 2025). EU: AMINA (Austria) AG MiCA CASP licence from Austria's FMA (Oct 2025) for custody, exchange, transfer and portfolio management. AMINA states products on aminagroup.com are licensed in Switzerland and are not registered outside Switzerland unless a local hub applies. UK visitors are steered to a UK-specific site.
- Bank-grade KYC/AML and sanctions screening under Swiss and local hub rules, including source-of-wealth and crypto provenance.
- Corporates: KYB, beneficial ownership, operating documents.
- Loans start from CHF 200,000 or equivalent.
- Professional / institutional onboarding at ADGM, Hong Kong and the Austrian CASP.
- Confirm the booking entity (Zug, ADGM, Hong Kong or Austria) before applying — LTV is set per asset and client, not as a public SafeScore quote.
Private-bank fiat · BTC or ETH
Arab Bank Switzerland
Fiat liquidity against Bitcoin or Ethereum held in the client's segregated, off-balance-sheet custody account.
Crypto-Backed Loans: Fiat liquidity against Bitcoin or Ethereum held in the client's segregated, off-balance-sheet custody account.
Fiat liquidity against Bitcoin or Ethereum held in the client's segregated, off-balance-sheet custody account. Published loan-to-value up to 40%. The bank describes the use case as real-estate acquisition or portfolio diversification inside a FINMA private-banking relationship — structured Lombard credit, not a crypto-native cash-advance desk.
Switzerland: Arab Bank (Switzerland) Ltd., FINMA banking and securities-business licence, Geneva head office (Place de Longemalle 10-12) and Zurich branch (Uraniastrasse 14). Digital-asset lending is a Swiss private-banking product. The group has an in-principle ADGM advisory licence (not a live lending booking centre) and a Lebanon banking subsidiary that is not this crypto-loan book. Pages on arabbank.ch are not an offer in every jurisdiction — confirm nationality and residence with the bank before applying.
- Must already be, or become, a private-banking or institutional client of Arab Bank (Switzerland) Ltd.
- FINMA bank KYC/AML and sanctions screening, plus source-of-wealth and source-of-funds on how the crypto was acquired.
- The bank names entrepreneurs, miners, long-term holders, traders, family offices, foundations and institutions as the digital-assets clientele.
- Collateral is Bitcoin or Ethereum in Taurus-PROTECT on-premise custody (FIPS Level 3
- ISAE 3402 Type II on key generation and key management), fully segregated per client and held off-balance sheet.
- No public self-serve minimum or APR — LTV and size are set by the desk (published LTV ceiling 40%).
USD / EUR / CHF · Native BTC or ETH
Mt Pelerin
SO-FIT affiliated arranger (not a FINMA bank, not a MiCA CASP).
Crypto Lombard Loans: SO-FIT affiliated arranger (not a FINMA bank, not a MiCA CASP).
SO-FIT affiliated arranger (not a FINMA bank, not a MiCA CASP). Fiat loans in USD, EUR or CHF against native Bitcoin or Ether, arranged with partner Swiss banks. Published terms: minimum loan $200,000; LTV up to 20% (example: $1m loan requires $5m of BTC/ETH); base fee 3% plus the currency interest rate; flexible duration. Collateral sits in segregated wallets at the partner Swiss bank.
Arranged in Switzerland. Mt Pelerin Group Ltd (CHE-188.552.084, Neuchâtel) is affiliated with SO-FIT as a financial intermediary under AMLA art. 2 para. 3; SO-FIT is a FINMA-recognised SRO. It does not hold a Swiss banking licence and is not a MiCA Crypto-Asset Service Provider. Official lombard page: not available to US or Russian persons; not to residents of Afghanistan, Angola, Bangladesh, Belarus, Burkina Faso, Burundi, Central African Republic, Cuba, DRC, Guinea, Guinea-Bissau, Haiti, Indonesia, Iran, Iraq, Lebanon, Libya, Mainland China (Hong Kong and Taiwan accepted), Mali, Myanmar, Nicaragua, Niger, North Korea, Russia, Somalia, Sudan, South Sudan, Syria, Trinidad and Tobago, Venezuela, Yemen or Zimbabwe. Brokerage services are not marketed to EU or UK residents except reverse solicitation.
- Register with Mt Pelerin, pass KYC and document the origin of the crypto funds.
- Corporates may apply.
- Native BTC or ETH only — wrapped or staked ETH and stablecoins are not accepted as collateral.
- Loan is repaid in the borrowed fiat (USD, EUR or CHF), not in crypto.
- Confirm live bank-partner terms with Mt Pelerin; older press quotes of 40% LTV or $50k minima are superseded by the current official page ($200,000 / 20% LTV).
US / global platforms, not a Swiss bank licence
Tier 2 — institutional fintech credit
Faster execution, higher published LTV, or stablecoin collateral and payout without a correspondent wire.
USD, USDC, wire or ACH · BTC, ETH, SOL, XRP
Arch Lending
USD, USDC (wallet), wire or ACH loans against BTC, ETH, SOL and XRP.
Secured Crypto Loans: USD, USDC (wallet), wire or ACH loans against BTC, ETH, SOL and XRP.
USD, USDC (wallet), wire or ACH loans against BTC, ETH, SOL and XRP. Collateral held in segregated cold storage at Anchorage Digital (OCC-chartered national trust bank) with published no-rehypothecation and Lloyd's of London insurance through Anchorage. Starting LTV published as BTC 60% / ETH 55% / SOL and XRP 45%, with margin-call and partial-liquidation levels above that. Terms 1–12 months; published Bitcoin-backed rates from about 7% depending on size. Default minimum about $5,000 (varies by collateral and state). No credit check.
ChainFi, Inc. dba Arch Lending, NMLS #2637200, 595 Broadway, New York. Individuals: 44 US states/territories (AK AL AR AZ CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO NC NE NH NJ NM NY OH OK OR PA PR SC SD TN TX UT VA WA WI WV WY); California not currently supported. Businesses/trusts: a similar 44-jurisdiction list (includes DE, MS, NV; excludes CA). International entities supported where permitted — ask Arch. Not a bank.
- KYC for individuals: government-issued ID; proof of address (utility bill or bank statement dated within 6 months) when requested.
- Businesses: KYB after personal KYC — articles of incorporation, EIN, letter of authority (LLC).
- Terms of Service collect name, address, DOB, SSN/TIN and consent to share identity data with Anchorage and BitGo for KYC/AML.
- Borrower and beneficial owners must not be OFAC-sanctioned.
- Arch's AML page describes blockchain analysis and transaction monitoring; it does not publish a mixer-washing path.
- Collateral must be sent to the Anchorage deposit address within 24 hours of signing.
USD, local fiat or stablecoin · BTC (ETH-backed loans exist, not renewable)
Ledn
USD, local-fiat or stablecoin loans typically issued at 50% LTV against Bitcoin collateral (ETH-backed loans exist but are not eligible for renewal).
Bitcoin-Backed Loans: USD, local-fiat or stablecoin loans typically issued at 50% LTV against Bitcoin collateral (ETH-backed loans exist but are not eligible for renewal).
USD, local-fiat or stablecoin loans typically issued at 50% LTV against Bitcoin collateral (ETH-backed loans exist but are not eligible for renewal). Published APR tiers from about 11.4% below $250,000 to about 9.2% at $2,000,000+ (platform terms govern). 2% administration fee at origination, waived for clients in Canada and the United States. Collateral is custodied and not re-lent; Ledn publishes regular third-party proof-of-reserve attestations. Identity verification applies; no traditional credit check.
Ledn Cayman SEZC Inc. is regulated as a VASP by the Cayman Islands Monetary Authority (CIMA) for lending products other than Growth accounts. Dollar loans are offered globally but blocked in listed jurisdictions. US states currently unsupported: California, Connecticut, Hawaii, Nevada, North Dakota, South Dakota, Tennessee, Washington, and Washington D.C. Canadian provinces currently unsupported: New Brunswick, Nova Scotia, Saskatchewan, Quebec. Some eligible locations require a minimum principal or confirmation of commercial purpose. Check Ledn's eligibility page before applying.
- KYC is mandatory before any product: government-issued photo ID (passport, national ID or driver's licence) and proof of address dated within the last three months (utility bill, bank statement or tax document).
- Source-of-wealth / source-of-funds may be requested for assets on the platform.
- Corporates complete KYB (registration documents plus authorised-signatory identity).
- Wires must come from a bank account in the same legal name.
- Restricted jurisdictions cannot be onboarded.
USD (bitcoin-native vault) · BTC
Unchained
Commercial bitcoin-backed loans with a published $150,000 minimum and 12-payment interest-only terms.
Bitcoin-Native Lending: Commercial bitcoin-backed loans with a published $150,000 minimum and 12-payment interest-only terms.
Commercial bitcoin-backed loans with a published $150,000 minimum and 12-payment interest-only terms. Collateral sits in a 2-of-3 multi-signature address (borrower, Unchained, independent key agent) inside the UC Secured Assets Trust; Unchained does not rehypothecate loan bitcoin and the borrower can verify the UTXO on a hardware wallet. Bitcoin only — no other collateral. Origination fees are deducted from principal. Unchained is not a bank; loans originated by Unchained Capital, Inc. (NMLS 1900773) or B&C Lending LLC (NMLS 2656661), serviced by Bitcoin Collateral Services LLC (NMLS 2423070).
US business entities only (US address required; no international accounts). Not originated to individuals or sole proprietorships; LLCs and corporations with a stated business/investment purpose are eligible, including single-member LLCs. Commercial loans not available in Louisiana, Montana, Nevada, New Mexico, New York, North Dakota, South Dakota, or Puerto Rico. Vermont only above $1,000,000. California commercial loans may be made under DFPI Financing Law Licence No. 60DBO-78867. Availability is stated as subject to change.
- KYC/KYB on the borrowing entity.
- Approved Unchained business account, a key uploaded to that account, a linked business bank account, and an eligible state.
- Entity documents (articles/operating agreement/certificate of formation) plus proof of business address.
- Individuals with greater than 20% equity: full legal name, address, email, phone and photo ID.
- UCC screening disclosure on application.
- Use-of-funds must be a legitimate business purpose.