Unlock New
Lending Opportunities
Vault helps lenders incorporate crypto collateral into their loan products, unlocking better credit terms for borrowers and boosting origination growth for lenders.
How Vault Works
Vault integrates with loan applications, calculates collateral requirements, provides a seamless borrower experience for pledging assets, and manages return or recovery at repayment or default.
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.
Reporting
We handle reporting on digital asset values and map collateral to loans and their holders to provide loan-level data to servicing platforms and investor counterparties.
Collateral Return
We facilitate the secure return of the digital assets - to the loan holder if there is a default - or to the borrower if they fully repay.
Vault increases conversion across the application funnel
Equip your borrowers with the option to post collateral at various points in your application to make more loans.
Value to Lenders
Provide your borrowers the option to use their assets to complement your existing underwriting process and make more loans.
Funnel Optimization
Highly liquid and recoverable assets create an attractive credit enhancement for potential borrowers. Approve more loans, improve margins, and reduce acquisition costs.
Growth + Risk Reduction
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.
Marketing Differentiation
A collateral risk offset allows you to make more competitive loan offers and win back potential borrowers whose offers have gone stale.
Why Digital Assets?
Broadly Owned
Roughly 20% of Americans own digital assets (primarily Bitcoin and Ethereum). As digital asset ownership increases, Vault allows lenders to serve this growing segment with innovative loan offers.
Easy to Send and Recover
Unlike physical assets, digital assets can be easily transferred, stored, and returned, eliminating the typical hassles of repossessing collateral.
Institutional & Regulatory Support
Bitcoin and Ethereum trade in liquid, 24/7 global markets and are increasingly adopted into sophisticated financial frameworks via ETF approvals and U.S. legislation like the Clarity Act.
Frequently Asked Questions
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.
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.
Approximately one-fifth of Americans hold digital assets. With growing institutional adoption and political/regulatory clarity, we expect this figure to only increase over time. Digital asset ownership levels represent a real market opportunity for traditional lenders.
No. We’re not competing with lenders. Instead, we support our lending partners with technology infrastructure so that they can unlock new opportunities with customer acquisition and pricing.
Contact Us
We'd love to chat if you’re interested in learning more about how Vault can help.
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