Unlock New
Lending Opportunities
Vault enables lenders to extend credit collateralized by digital assets. We provide lenders with infrastructure and support to open new acquisition channels and improve metrics.
How We Work
Vault integrates with lenders’ applications in a compliant fashion, services the collateral for the life of the loan on behalf of loan holders, and engages directly with capital partners to finance the loans.
Integration
We integrate with lenders’ existing loan applications and provide an interface for loan applicants to send their digital assets to a qualified custodian to secure the loan.
Service
We handle reporting on digital asset values, map collateral to loans and their holders, and facilitate the return of the digital assets – to the loan holder if there is a default – or to the borrower if they fully repay.
Funding
We engage directly with forward flow buyers and warehouse financing to provide institutional-grade servicing of the collateral that supports their loans.
Value to Lenders
Provide your borrowers the option to use their assets to complement your existing underwriting process and make more loans.
VAULT BRINGS NEW REVENUE DRIVERS TO LENDERS:
EXPAND YOUR MARKET
Digital asset owners expect to be able to put their assets to good use. Serve this novel segment by providing innovative offers and messaging via new marketing channels.
APPROVE MORE LOANS
Highly liquid and recoverable assets create an attractive credit enhancement for potential borrowers. Approve more loans, improve margins, and reduce acquisition costs.
IMPROVE Offers
A collateral risk offset allows you to make more competitive loan offers and win back potential borrowers whose offers have gone stale.
LEVERAGING INNOVATION
Why Digital Assets?
Roughly 25% of Americans own digital assets (primarily Bitcoin or Ethereum). As digital asset ownership increases, Vault allows lenders to serve this growing segment with innovative loan offers.
EFFICIENTLY RECOVERABLE
Unlike physical assets, digital assets can be easily transferred, stored, and returned, eliminating the typical hassles of repossessing collateral.
HIGHLY LIQUID
Bitcoin and Ethereum trade in liquid, 24/7 global markets, making them far easier to liquidate than physical forms of collateral such as homes and cars.
Frequently Asked Questions
Where are borrower assets held?
Vault partners with best-in-class qualified custodial partners to hold borrowers’ digital assets. Qualified custodians are regulated financial entities that hold and safeguard digital assets for individuals and/or institutions. They are subject to rigorous security and operational checks to protect those assets.
What digital assets are eligible for the Vault program?
At this time, only Bitcoin and Ethereum. These two assets represent approximately 70% of aggregate digital asset market capitalization. They benefit from a high degree of liquidity and regulatory clarity.
How widespread is digital asset ownership in the United States?
Approximately one-quarter of Americans hold digital assets. We expect this figure to only increase over time with growing institutional adoption and political/regulatory clarity. Digital asset ownership levels represent a real market opportunity for traditional lenders.
Is Vault a direct lender?
No. We’re not competing with lenders. Instead, we support our lending partners so that they can unlock new opportunities with customer acquisition and pricing.