BitVault Lending · Early access
Borrow against Bitcoin.
Non-Custodial
No-Liquidation
BitVault Lending is being designed for individuals, companies, family offices and institutions seeking CHF liquidity against bitcoin—using non-custodial, on-chain collateral controls with no price oracle and no automatic price-based liquidation.
Switzerland first. Selected European markets to follow, subject to availability and applicable requirements.
- Non-custodial
- Oracle-free collateral policy
- No automatic price liquidation
- Bitcoin-enforced terms
The problem
Bitcoin-backed lending usually forces an unnecessary compromise.
Most lending products require borrowers to surrender their bitcoin to a custodian or expose it to an automated liquidation engine. A temporary market movement can trigger the sale of long-term collateral—even when the borrower remains capable of repaying the loan.
Custodial exposure
Bitcoin is transferred into infrastructure controlled by a lender, platform or custodian.
Oracle dependency
An external price source can become the trigger that determines the fate of the collateral.
Forced liquidation
Short-term volatility can permanently dispose of a long-term position.
BitVault Lending is designed around a different principle: collateral should follow the agreed loan terms—not the market’s next price tick.
A different category
Trustless collateral control. Non-custodial architecture. No price-based liquidation.
Non-custodial
The bitcoin is committed to a predefined on-chain policy rather than deposited into an omnibus custodial wallet. No participant receives arbitrary control over the collateral.
Oracle-free
The Bitcoin spending policy does not rely on a price feed, exchange or external oracle to determine when collateral can move.
No automatic liquidation
A fall in the bitcoin price does not, by itself, trigger a margin call or liquidation transaction. Enforcement follows the agreed maturity and default conditions.
These properties are normally offered separately. BitVault Lending is designed to combine them in one Bitcoin-native lending architecture—a lending structure the market has not previously been able to offer.
The borrowing journey
Direct, transparent and defined in advance.
- 01
Define the loan
The borrower and lender agree on currency, amount, duration, initial collateralization, interest and repayment terms.
- 02
Secure the collateral
The borrower commits bitcoin to a policy-controlled on-chain output containing the loan's predetermined spending conditions.
- 03
Receive liquidity
Once the collateral transaction is verified, the lender transfers the agreed CHF or EUR amount directly to the borrower.
- 04
Continue through the term
The bitcoin price may change, but price movements alone cannot activate an automatic liquidation path.
- 05
Repay or follow the agreed enforcement path
Following repayment, the borrower recovers the collateral through the defined path. If repayment does not occur after maturity and the applicable delay, the separate enforcement path can become available to the lender.
No discretionary collateral movement. No hidden liquidation engine. No price oracle deciding the outcome.
Why the architecture matters
A fundamentally different relationship with collateral.
Custodial Bitcoin loan
- Collateral model
- Platform-controlled custody
- External price oracle
- Usually
- Automatic price liquidation
- Usually
- Omnibus custody
- Often
- Enforcement basis
- Platform discretion and contract
- On-chain verifiability
- Limited or partial
- Borrower price protection
- Limited
Oracle-based on-chain loan
- Collateral model
- Protocol or multisig arrangement
- External price oracle
- Required
- Automatic price liquidation
- Usually
- Omnibus custody
- Varies
- Enforcement basis
- Oracle threshold
- On-chain verifiability
- Partial to high
- Borrower price protection
- Limited
BitVault Lending
- Collateral model
- Policy-controlled Bitcoin output
- External price oracle
- Not used in collateral control
- Automatic price liquidation
- No
- Omnibus custody
- No
- Enforcement basis
- Agreed maturity and default path
- On-chain verifiability
- Bitcoin-native collateral policy
- Borrower price protection
- Price alone cannot trigger liquidation
Designed around the borrower
For personal liquidity and institutional capital planning.
Access liquidity without selling a long-term position.
For individuals
- Property or major purchases
- Business investment
- Temporary liquidity requirements
- Diversification without immediately selling bitcoin
- Planned personal or family expenditure
Turn bitcoin reserves into productive financing capacity.
For companies and institutions
- Working capital
- Acquisition financing
- Treasury liquidity
- Project financing
- Longer-term capital planning
- Liquidity for family-office portfolios
Bitcoin-enforced collateral
The collateral follows code agreed before the loan begins.
BitVault Lending uses predefined Bitcoin spending paths and timelocks to separate repayment, borrower recovery and lender enforcement. The relevant conditions are committed on-chain before funds are released.
The collateral policy does not ask an oracle whether bitcoin has crossed a price threshold. Instead, Bitcoin validates whether the signatures and time conditions required by a particular spending path have been satisfied.
- Predetermined spending paths
- Independent signing authority
- Bitcoin-enforced time conditions
- No price oracle
- Publicly verifiable collateral
- No unilateral discretionary movement
Technical documentationavailable as the product enters its pilot phase.
Initial product framework
Built for conservative, fixed-term lending.
- Loan currencies
- CHF and EUR
- Collateral
- Bitcoin
- Structure
- Bilateral lending
- Collateral control
- Non-custodial on-chain policy
- Price liquidation
- None
- Availability
- Initial Swiss pilot
- Borrowers
- Individuals, entrepreneurs, companies, family offices and institutions
- Terms
- Individually assessed
- Expansion
- Selected European markets
Final eligibility, loan size, pricing, collateral requirements and availability will depend on the borrower, lender, jurisdiction and contractual terms.
Early access
Be among the first borrowers considered.
Tell us what kind of liquidity you are looking for. We will notify you as the first lending programs and borrower assessments become available.
Early-access registration only. This is not a loan application, offer of credit or commitment to lend.
Questions, answered plainly
The essentials, without the hype.
Is my bitcoin transferred to the lender?
The collateral is committed to a predefined Bitcoin policy rather than deposited into the lender's ordinary wallet or an omnibus custodial account. Its movement remains limited to the spending paths agreed at origination.
Can a fall in bitcoin's price liquidate my collateral?
A price movement alone does not activate an automatic liquidation transaction. The collateral policy does not use a price oracle. The lender's enforcement rights instead depend on the agreed maturity, repayment conditions and applicable delay.
Is the bitcoin price ignored entirely?
No. Price and collateralization may be considered during underwriting and when the original loan terms are agreed. The distinction is that an external price feed does not control the on-chain collateral during the term.
What happens if the loan is not repaid?
If repayment does not occur according to the agreement, a predefined lender enforcement path may become available after maturity and the applicable on-chain delay.
Is BitVault Lending already available?
The product is entering an early-access and pilot phase. Registration allows BitVault and its partners to understand borrower demand and contact suitable participants as lending programs become available.
Will both individuals and institutions be eligible?
The architecture is being developed for both. Availability, underwriting and terms may differ according to borrower type, loan size and jurisdiction.
Where will the service be available?
The initial focus is Switzerland, followed by selected European markets subject to regulatory, lender and operational availability.
Your bitcoin strategy should not be decided by short-term volatility.
Register your interest in a lending model designed around long-term ownership, transparent terms and Bitcoin-enforced collateral control.