Vield has launched a lending infrastructure service that allows financial institutions and fintech platforms to offer Bitcoin market price and chart-backed credit without building every part of the lending operation themselves.
The Australian lender’s November 10 announcement describes referral, white-label, hybrid and API options. Partners can use its stack or contribute their own custody and capital arrangements.
Lending Platform Combines Funding Custody And Credit Operations
Vield said the service includes credit, compliance and technology infrastructure. Partners can use the full platform or supply their own custody and funding.
The company identified a $20 million warehouse facility supporting origination. It said multiple launch partners had signed on, without naming them in the release.
Company Identifies Custody Monitoring And Cybersecurity Service Providers
Vield said customer Bitcoin is held in segregated cold storage with Zodia Custody. It identified Integral for automated risk management, Hashlock for auditing and Revio as a cybersecurity partner.
The company reported more than $50 million in approved loans and no defaults since 2022. Those figures are Vield’s own disclosures; approved lending volume is not necessarily the same as funds disbursed or outstanding loans.
The release did not specify customer interest rates, loan-to-value limits or liquidation thresholds. Those terms determine the borrower’s cost and collateral obligations.
For the underlying collateral mechanics, see BlockBriefing’s explanation of margin and liquidations.
Existing Direct Loans Publish Terms And Repayment Structure
Vield’s published direct lending product describes Australian-dollar borrowing against Bitcoin with a maximum starting loan-to-value ratio of 50%, a twelve-month term and quarterly interest-only payments.
Its company information quotes a fixed rate of 13% a year. The website separately publishes a comparison rate of 16.20% based on a $5,000 secured loan over twelve months, with a warning that other amounts and fees can change the comparison.
These are terms for Vield’s advertised direct product. The November 10 infrastructure release does not establish that every white-label partner will offer the same pricing or eligibility conditions.
Under the described repayment structure, the collateral is returned after the loan is fully repaid. The direct product’s 50% starting ratio means the initial loan is capped at half of the collateral’s assessed value.
Custody Disclosure Names Lender And Limits Insurance Claims
Vield’s Security and Trust disclosure identifies LSL Alternative Credit Pty Ltd as the lender under Australian Credit Licence 526970. Vield Capital operates as credit representative 553950.
The same disclosure says collateral sits in dedicated wallets at Zodia Custody Australia and is not pooled with Vield’s operating funds. Vield says it does not lend, stake or reuse customer collateral and that balances can be checked onchain.
Insurance is provided through Zodia Custody Australia, rather than directly by Vield, and remains subject to the underlying policies. The company describes cover for risks including digital asset crime, custody, professional indemnity and cyber incidents.
That insurance statement does not guarantee protection against every loss or replace the loan’s collateral conditions. Vield itself says insurance cannot cover every eventuality.
The provider describes its credit as funded through private capital rather than DeFi. Alongside the option for partners to contribute their own funding or custody, this distinguishes the infrastructure offering from a single uniform loan contract available through every distributor.
The launch announcement’s approved-loan total is also a different measure from outstanding credit. The company has not supplied a complete loan-book breakdown in that release, so its $50 million figure should retain the label it used.
