Secured Lending

Fixed euro income,
backed by bitcoin.

Earn 6.5% annual interest in euros over a fixed twelve-month term. Your euros fund loans collateralized by bitcoin. They are not used to buy bitcoin, and the agreed interest rate does not move with the bitcoin price.

Get in touchDownload brochure

Lending involves risk and you may receive back less than you invest. Collateral value and recovery in a default depend on the bitcoin price.

The structure

A loan with defined terms and defined security.

You lend euros to Blockrise Lending B.V. for twelve months. Interest is fixed for the term and paid in euros, annually or quarterly. The bitcoin collateral behind the underlying loans is never pooled and never rehypothecated.

Regulatory status Blockrise Lending B.V. does not hold a MiCAR licence. Bitcoin-backed loans are not a MiCAR-regulated product.

Interest
6.5% per year, fixed for the term. Paid annually, or quarterly at 6.35%.
Duration
12 months; longer terms on request from €2.5 million
Minimum investment
€100.000
Coverage at origination
200% over-collaterised in bitcoin
Margin call and liquidation
Margin call at 75% LTV with 24 hours to restore cover; liquidation at 85% LTV
Collateral
In custody with Blockrise Capital B.V., held separately in Stichting Blockrise, verifiable on-chain
Collateral treatment
Held in segregated wallets. Never pooled, never rehypothecated.
Collateral valuation
Median of at least three live price sources, calculated every minute. Sources without a current price are excluded.
Open to
Private individuals and businesses

How it works

From investment to maturity.

The structure follows one defined sequence. Collateral controls reduce risk but do not remove it.

  1. 01

    Agree the terms

    You agree an amount and term with Blockrise Lending B.V. The minimum is €100.000.

  2. 02

    Your euros fund loans

    The euros fund loans to clients who borrow against bitcoin they already own.

  3. 03

    Collateral is held

    Bitcoin worth at least twice each underlying loan is held in segregated wallets.

  4. 04

    The backstop is armed

    Contractual margin call and liquidation thresholds apply if bitcoin falls. They exist as a backstop. In normal operation they are not reached.

  5. 05

    Interest and principal are paid

    Interest is paid annually or quarterly. Principal is due in euros at maturity, subject to Blockrise Lending B.V. meeting its obligations.

The security

Collateral that stays ahead of the loan.

Liquidation is a backstop, not a step in the process. A margin call restores coverage first. If it does not, the backstop closes the position at 85% LTV, while €1.18 of bitcoin still covers every €1 lent.

01 At least 2× at origination

02 Segregated wallets, never pooled

03 Never rehypothecated, never lent on

04 Monitored every minute

05 Contractual backstop thresholds

Why bitcoin makes the backstop work

Bitcoin has a continuous public market price, trades globally around the clock and can be verified on-chain. Its price is volatile.

Divisible Collateral is sold in the amount needed to restore coverage, not all at once.

Liquid A continuous global market, around the clock, so the backstop can act on a Sunday night.

Verifiable Holdings can be checked on-chain.

Illustrative underlying loan €100.000 principal · €200.000 bitcoin collateral
Today
50% LTV

A 50% collateral cushion at origination.

−33%
Margin call

Collateral still covers 133% of the loan.

−41%
Backstop

Liquidation restores coverage. €1.18 of collateral remains per €1 lent.

Illustrative thresholds only. Execution prices, liquidity, fees and rapid price moves may affect recovery. Controls reduce risk but cannot guarantee repayment.

Illustrative return

See the structure in euros.

Investment amount€100.000
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Interest payment
Annually · 6.5%Quarterly · 6.35%

Indicative result over twelve months

€6.500 gross interest over twelve months
€200.000 minimum collateral value at origination

Illustration only, before tax. It is not an offer, forecast or advice. Repayment depends on Blockrise Lending B.V. and recovery in a default depends on bitcoin collateral value. Terms are set in the loan agreement.

Get in touch

Who it is for

Built for investors who understand collateral-based structures.

01

Family offices

A euro income line alongside private credit and real estate.

02

High-net-worth individuals

Defined terms, personal guidance and security that can be verified.

03

Corporate treasuries

A fixed euro return on cash held outside day-to-day operations.

04

Investment funds

Collateralized euro income with a transparent underlying loan book.

Talk to us about secured lending.

Leave your details and we will send the documentation, including the term sheet. A relationship manager follows up to discuss the structure and answer your questions.

Get in touch

Blockrise needs the contact information you provide to us to contact you about our products and services. You may unsubscribe from these communications at any time. For information on how to unsubscribe, as well as our privacy practices and commitment to protecting your privacy, please review our Privacy Policy.

Send

Thank you for your request!

We will contact you shortly. Alternatively, you can schedule a meeting right away:

Schedule a meeting
Oops! Something went wrong while submitting the form.

FAQ

The questions serious investors ask first.

Who is my counterparty?
Blockrise Lending B.V., a Dutch company in the Blockrise group, is the borrower and counterparty. Blockrise Lending B.V. does not hold a MiCAR licence and these loans are not regulated under MiCAR.
Are my euros used to buy bitcoin?
No. Your euros fund loans to clients who borrow against bitcoin they already own. Your interest rate is fixed in euros and does not move with the bitcoin price.
How is the bitcoin collateral held?
Blockrise Capital B.V. is the custodian. The bitcoin is held separately in Stichting Blockrise, a Dutch foundation within the Blockrise group, in segregated wallets. It is never pooled, never rehypothecated and never lent on. Security is held by Stichting Zekerheden Blockrise Lending for the benefit of all lenders.
What happens if bitcoin falls?
A margin call at 75% LTV gives the borrower 24 hours to restore coverage. If coverage is not restored, the backstop liquidates at 85% LTV, while €1.18 of collateral still covers every €1 lent. These controls reduce risk but do not remove it.
What are the main risks?
The main risk is not that bitcoin falls, because the thresholds are built for that. The main risk is that the backstop cannot be executed at the level intended. A gap move, a market disruption or an execution failure could complete liquidation below 85% LTV and leave recovery short of principal. Repayment also depends on Blockrise Lending B.V. meeting its obligations. Bitcoin is volatile and a severe, rapid decline may produce recovery below principal. The loan is not a deposit and is not covered by a deposit guarantee scheme.

Important information and risks

The main risk is not that bitcoin falls, because the thresholds are built for that. The main risk is that the backstop cannot be executed at the level intended. A gap move, a market disruption or an execution failure could complete liquidation below 85% LTV and leave recovery short of principal. Lending involves significant risks and you may lose part or all of the amount invested. Repayment of principal and interest depends on Blockrise Lending B.V. meeting its obligations. Bitcoin is highly volatile. Collateralization and liquidation thresholds reduce, but do not remove, the risk of loss. Loans are not deposits and are not covered by a deposit guarantee scheme. No advice is provided. Terms are governed by the executed loan agreement and risk disclosures.