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USDC, Tether (USDT), Dai (DAI), Digital CHF (DCHF), EURC, Ripple USD (RLUSD)
CRYPTO FINANCE
Crypto-Backed Financing
Electron provides financing against a broad range of digital assets, helping clients access liquidity for personal, business and investment needs.
Fixed-rate financing for the agreed facility term
Over 20 years of lending experience
Begin a Conversation
Enquiries from US$500,000.
Indicative Crypto Financing Terms
| Facility parameter | Indicative terms |
|---|---|
| Enquiry size | US$500,000+ Minimum enquiry amount. No stated maximum facility size, subject to approval. |
| Loan-to-value | 60%–70% Typical advance against the agreed collateral value. The amount reflects asset quality and liquidity. |
| Facility term | 12–60 months Extensions are available by agreement. Shorter bespoke facilities can be reviewed. |
| Fixed annual interest | 4.5%–8% p.a. Fixed for the agreed facility term, providing greater certainty over interest costs. Final pricing is subject to collateral assessment and approval. |
Final terms depend on the collateral and Electron’s approval. Fees and early repayment conditions are facility-specific.
Digital Assets We Can Review
The examples below are based on past successful financing transactions. Each holding or portfolio is assessed individually for eligibility, taking account of the asset, network, liquidity and custody suitability.
Staked holdings in Ethereum, Polygon, Sui, Solana and Cardano are subject to transfer and unlocking requirements.
Bitcoin (BTC)
Ethereum (ETH)
Solana (SOL)
XRP (XRP)
BNB (BNB)
Cardano (ADA)
The full list also includes selected stablecoins and gold-backed tokens.
View full digital-asset listHide full digital-asset list
Cryptocurrencies and selected tokens
- Bitcoin (BTC)
- Ethereum (ETH)
Litecoin (LTC)
Bitcoin Cash (BCH)- BNB (BNB)
- XRP (XRP)
- Solana (SOL)
Polygon (POL)
Tezos (XTZ)
Quant (QNT)- Cardano (ADA)
Chainlink (LINK)
Aave (AAVE)
Avalanche (AVAX)
Compound (COMP)
Cosmos Hub (ATOM)
Sui (SUI)
Uniswap (UNI)
Synthetix (SNX)
Curve (CRV)
Hyperliquid (HYPE)
Sonic (S)
dYdX (DYDX)
Gold-backed tokens
PAX Gold (PAXG), Tether Gold (XAUt)
For an Initial Assessment
To assess the proposed collateral and financing requirements, we require the information below. You can begin with a brief outline; supporting documents can follow the initial discussion.
- The assets
- Asset name and symbol, blockchain network, units offered and approximate value.
- Ownership and custody
- Borrower/owner and country; custodian, exchange or self-custody; ability to transfer and any staking, locks, pledges or DeFi use.
- The requirement
- Financing amount and currency or token, preferred term and purpose.
- Supporting evidence
- Recent custody/exchange statements or suitable evidence of self-custody. Public wallet details may be requested where relevant.
Never provide private keys, seed phrases, passwords or recovery codes.
Institutional Custody for Your Collateral
Digital assets are transferred to Electron’s account with an established institutional digital asset custodian.
01
Transfer
Electron confirms the asset, network and deposit instructions. Your digital assets are then transferred to the agreed institutional custodian.
02
Hold
The collateral supports the facility for its term. Ownership, wallet control and any collateral-use rights are documented in the agreement.
03
Release
On full repayment, collateral is released under the agreed return or settlement arrangements.
Never share private keys, recovery phrases or wallet passwords. Verify transfer instructions directly with Electron.
Understanding a Crypto Margin Call
A margin call asks you to restore collateral cover if the three-business-day average digital-asset price falls below the agreed level.
Initial call level: 70% of the closing average digital-asset price
Step 1 of 3
Written notice
Electron sets out the shortfall and the top-up required.
Step 2 of 3
Five business days to complete
The period starts when you receive the notice. The required top-up must be completed within it.
Step 3 of 3 · Within the response window
Cash or approved collateral
US dollars may be required. Additional digital assets need approval. An unresolved call can lead to loss of collateral.
After a completed top-up, the threshold resets to the three-day average used to calculate the shortfall.
View the worked exampleHide the worked example
Closing averageUS$1.00
Financing at 70% LTVUS$0.70
Initial call thresholdUS$0.70
Your digital-asset holding has an agreed closing value of US$1.00 per unit. At a 70% advance rate, you receive US$0.70 per unit in financing. A margin call is triggered if the three-business-day average price falls below US$0.70—a decline of more than 30% from the agreed closing value.
Hypothetical prices used for illustration only.
The Electron Advantage
Direct Lending Compared with DeFi
Six practical differences. A direct lending relationship, with terms agreed around your requirements.
Fixed interest. Greater certainty.
Interest rates
The DeFi limitation
Variable borrowing rates can rise as demand increases or liquidity tightens.
The Electron approach
Agree a fixed rate for your facility term, giving you greater certainty over interest costs.
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DeFi protocols
Variable borrowing rates can rise when demand increases or liquidity tightens, making your financing more expensive after you have already borrowed.
Electron Family Office
Fixed interest rates can be agreed for your facility term, giving you greater certainty over interest costs and helping you plan with confidence.
A dedicated person to speak to.
Lending relationship
The DeFi limitation
There is no dedicated account manager to discuss your requirements or resolve issues.
The Electron approach
Work directly with us and your dedicated account manager to structure your financing.
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DeFi protocols
Borrowing is governed by smart contracts and preset protocol rules, without a dedicated account manager. If you lose access to your wallet or your position is liquidated, support may be unable to restore access, recover your assets or reverse the outcome.
Electron Family Office
As the balance-sheet lender, we work directly with you. Your dedicated account manager understands your requirements, helps structure your financing and provides a clear point of contact when questions or issues arise.
Time to respond to a margin call.
Collateral top-ups
The DeFi limitation
Crossing the protocol’s threshold can trigger liquidation without a guaranteed cure period.
The Electron approach
You have five business days from receipt of written notice to restore the required collateral level.
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DeFi protocols
Your position can become eligible for liquidation as soon as the protocol’s threshold is breached, without a guaranteed notice or cure period. A sharp market move can leave you little time to act.
Electron Family Office
You have five business days from receipt of written notice to restore the required collateral level, giving you a defined period to arrange the necessary top-up.
Your holdings, assessed individually.
Collateral eligibility
The DeFi limitation
Unsupported holdings cannot be used in that lending market, regardless of their value.
The Electron approach
We assess eligible digital assets individually, including larger or concentrated holdings.
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DeFi protocols
Your holdings must fit a supported lending market with available liquidity. Unsupported assets cannot be used there, regardless of their value, and wrapping, bridging or conversion may be needed, adding further steps and risks.
Electron Family Office
We assess your digital assets on their individual merits, including larger or concentrated holdings. Eligible native assets can be considered without wrapping, bridging or conversion solely to meet protocol collateral requirements.
Documented custody and controls.
Custody and collateral controls
The DeFi limitation
A coding error or hack can result in collateral being stolen or lost, with recovery difficult or impossible.
The Electron approach
Institutional custody arrangements and collateral controls are set out in agreed documentation.
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DeFi protocols
Your collateral is held in smart contracts. A coding error or hack could result in your assets being stolen or lost. You have limited scope to negotiate additional safeguards, and recovering lost assets may be difficult or impossible.
Electron Family Office
Institutional custody arrangements and collateral controls are established under agreed documentation, giving you a clear contractual framework for how your assets are held and managed.
A facility structured around you.
Facility structure and recourse
The DeFi limitation
You accept the market’s preset terms; automated liquidation can happen overnight.
The Electron approach
Terms are assessed individually. Non-recourse options may be considered for eligible facilities, subject to agreed terms and exceptions.
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DeFi protocols
You must accept the market’s existing loan terms, collateral requirements and repayment conditions, with no scope for individual negotiation. Recourse and liquidation follow the protocol’s terms. A sharp market move can trigger automated liquidation, including overnight, before you have time to respond.
Electron Family Office
We structure your facility around the collateral and transaction, with terms assessed individually. Non-recourse options can be considered for eligible facilities, limiting recovery to the digital-asset collateral, subject to agreed terms and exceptions.
Indicative comparison. DeFi protocol features vary, and Electron financing terms are subject to collateral eligibility, underwriting and agreed documentation.
From Enquiry to Funding
Application and supporting evidence
Once we receive your completed application form and recent custody or exchange statements, or suitable evidence of self-custody holdings, we can open your file for review.
Individual assessment
We assess the proposed digital assets, network, liquidity, concentration, transfer conditions and custody suitability.
Indicative terms
Indicative terms are provided within 24–48 hours, subject to receipt of the required information.
Documents and checks
Once indicative terms are accepted, we complete identity and ownership checks and agree the facility documents before the collateral is transferred. The documents identify Electron or the wholly owned subsidiary providing the facility.
Collateral transfer and institutional custody
The agreed digital assets are transferred to the institutional custodian using verified asset, network and deposit instructions.
Closing valuation
A three-business-day average establishes the collateral value in accordance with the agreed pricing method.
Closing statement
A closing statement sets out the collateral valuation and net proceeds for your acceptance before funding.
Final settlement
Funds are released after acceptance of the closing statement and completion of the agreed closing requirements.
We confirm the proposed funding currency and closing arrangements with you before the collateral transfer.
Crypto Financing Questions
How are digital-asset portfolios assessed?
We assess the combined collateral value, trading liquidity and concentration across the proposed holdings, together with the networks and custody arrangements.
Can I use staked digital assets?
Selected staked holdings can be reviewed. We assess transfer restrictions and the time needed to unlock the assets before agreeing custody arrangements.
Which funding currency can I request?
US-dollar or agreed stablecoin funding can be discussed. Other currencies and payment arrangements are confirmed case by case.
Are personal guarantees required?
Non-recourse options can be considered for eligible cases, without personal or corporate repayment guarantees.
You may lose the digital assets provided if repayment or collateral requirements are not met. The facility documents set the scope, exceptions, ownership and collateral-use rights.