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Secured Lending

What is Secured Lending? Secured Lending allows you to earn a fixed return on your capital by providing a loan to Blockrise Lending B.V. Your investment is backed by Bitcoin collateral held in segregated wallets, managed by an independent Security Agent. This product is designed for investors and businesses seeking stable, predictable yield on their capital.

Key Features:

  • Earn 5% or 6% annual interest on your capital.
  • Your loan is secured by Bitcoin collateral.
  • Independent Security Agent safeguards collateral on your behalf.
  • Flexible loan terms: 6 or 12 months.

How Does It Work?

  1. Choose Your Terms
    • Loan period: 6 or 12 months
    • Interest rate: 5% p.a. (6 months) or 6% p.a. (12 months)
    • Loan amount: minimum €100,000, up to €10,000,000
    • Interest payment: at maturity
  2. Commit Your Capital
    • Sign the loan agreement and accede to the Intercreditor Agreement.
    • Provide a committed credit line that Blockrise can call upon.
    • Interest accrues over the called (funded) capital.
  3. Your Loan is Secured
    • All loans are backed by BTC collateral deposited by underlying borrowers in segregated wallets.
    • Collateral is pledged to Stichting Zekerheden Blockrise Lending (Security Agent) for the benefit of all Creditors.
    • Maximum initial Loan-to-Value (LTV) on underlying loans: 50%.
  4. Receive Repayment
    • At maturity: principal + accrued interest paid in EUR.
    • Alternatively, repayment in BTC is possible with your consent.

Check the term sheet for more details.

Returns

  • Interest: 5% p.a. (6-month term) or 6% p.a. (12-month term).
  • Interest payment: at maturity.
  • Fees: no fees charged to the Lender.

Security & Collateral

  • Collateral type: pledge over Blockrise Lending B.V.'s rights and claims under the underlying Bitcoin-Backed Loan Agreements, including accessory pledges over borrowers' Bitcoin.
  • Segregated wallets: BTC collateral is held in dedicated wallets per borrower.
  • Pricing mechanism: hourly median price of at least three exchanges.
  • Maximum initial LTV: 50% (underlying loans).
  • Liquidation: at 85% LTV, immediate liquidation of underlying collateral.
  • Collateral control: managed by Stichting Zekerheden Blockrise Lending (Security Agent) for the benefit of all Creditors.

Lender Protections

  • Direct claim via Security Agent in case of enforcement.
  • Quarterly statements with detailed collateral data.
  • Full disclosure on request during an Enforcement Event.
  • Loan only funded after Lender accedes to the Intercreditor Agreement as Creditor.

How to Get Started

  1. Contact Blockrise through the sign-up form
  2. Review the term sheet and loan documentation.
  3. Sign the loan agreement and Intercreditor Agreement.
  4. Transfer funds to Blockrise Lending B.V.
  5. Receive quarterly statements and repayment at maturity.

Frequently Asked Questions (FAQ)

1. Who can participate in Secured Lending?

Natural persons or legal entities (businesses, funds, family offices) looking to earn yield on their capital. A verified Blockrise account is required.

2. What is the minimum investment?

The minimum loan amount is €100,000, with a maximum of €10,000,000.

3. Can Blockrise repay my loan early?

Yes. Blockrise may repay the loan early without penalty.

4. How is my investment protected?

Your loan is secured by a pledge over BTC collateral held in segregated wallets. An independent Security Agent manages the collateral for the benefit of all Creditors, with pari passu ranking.

5. What happens if Blockrise defaults?

Collateral is liquidated and proceeds are distributed pro-rata to all Creditors via the Security Agent.

6. How is the Bitcoin collateral valued?

BTC is priced using the hourly median price of at least three exchanges.

7. What reporting do I receive?

You receive quarterly statements with detailed collateral data. During an Enforcement Event, full disclosure is available on request.

8. Can I receive repayment in Bitcoin?

Yes, with your consent, repayment can be made in BTC instead of EUR.

9. Are there tax implications?

Consult your tax advisor. Blockrise does not provide tax advice.

10. Who provides the Secured Lending product?

Secured Lending is provided by Blockrise Lending B.V., a group entity which is outside the scope of MiCAR supervision.

11. Why is Secured Lending not regulated under MiCAR?

Secured Lending is offered by Blockrise Lending B.V. Unlike Blockrise Capital B.V., Blockrise Lending B.V. does not hold a MiCAR license. MiCAR applies to parties that issue certain crypto-assets or provide services related to crypto-assets (such as custody). It does not regulate the lending or borrowing of crypto-assets. Because of this, Secured Lending falls outside the MiCAR framework and is not supervised by a financial regulator.