Deploy Capital. Earn Yield.
Returns on overcollateralised crypto-backed loans. Regulated. Transparent. Risk-managed.
For funders
Why Swapit for capital providers?
A simple credit product: fiat lent against blue-chip crypto held by an independent custodian.
Competitive returns
Earn on overcollateralised assets. The spread between cost of capital and the 10% lending rate is enhanced by 2.5% origination fees per loan.
Overcollateralised
50–70% LTV means a 30–50% collateral buffer. Margin calls and liquidations protect capital.
Full transparency
Monthly statements, real-time portfolio tracking and detailed loss reporting. You see everything.
Regulated counterparty
Licensed alternative lender in Poland, segregated collateral with a MiCA custodian and professional AML/KYC.
Principal returns
Capital flows back as loans are repaid. No equity model, no trapped capital — reinvest or exit.
Scalable
From a €250k pilot to €5M+ facilities, with structures customised to your mandate.
Opportunity
A clear model in crypto-backed lending
Borrowers want liquidity without selling. Funders want yield without equity risk. Swapit bridges the two.
- 1
Borrowers deposit crypto collateral into segregated custody.
- 2
Swapit lends fiat against that collateral at 10% APR.
- 3
Swapit earns the spread between its cost of capital and the lending rate.
- 4
Your capital is returned as loans are repaid.
- 5
Returns compound across the portfolio as it scales.
The model is proven at scale by Nexo, Xapo Bank and Ledn. Swapit adds EU regulation and a post-2022 trust standard.
Risk framework
How capital is protected
Collateral quality
- Blue-chip only: BTC, ETH, USDC, USDT and major stablecoins. No illiquid altcoins.
- Conservative LTV of 50–70%, with per-asset portfolio haircuts.
- Multi-source price feeds and 24/7 LTV tracking with automated margin calls.
Liquidation management
- Waterfall: principal → accrued interest → fees → surplus returned to borrower.
- Margin calls trigger 6–24 hour grace periods. No panic liquidations.
- Every liquidation and recovery rate is documented and shared with funders.
Concentration risk
- Single borrower capped at 10–15% of the portfolio.
- Single collateral type capped at 60% of the portfolio.
- EU-focused origination, with diversification increasing as the book grows.
Counterparty risk
- Licensed lender in Poland with auditable operations.
- Independent MiCA custodian holds assets — no single point of failure.
- Pilot phase proves operational capability with full process transparency.
Illustration
Liquidation waterfall example
A 5 BTC position at 60% LTV through a 35% market crash — the lender is made whole and the borrower keeps the surplus.
| Sale proceeds | €130,000 | |
| Principal | €120,000 | to lender |
| Accrued interest | €500 | to lender |
| Origination fee | €3,000 | to Swapit |
| Liquidation fee | €2,000 | risk reserve |
| Surplus | €4,500 | returned to borrower |
Due diligence
Documentation available on request
Request access and we'll share the relevant pack after a short introductory call.
Investment Memorandum
Full opportunity overview, financial model, terms, risks.
Financial Models
Pilot P&L, portfolio projections, stress scenarios, LTV sensitivity.
Excel · on request
Risk Framework
Risk policy, collateral haircuts, margin call mechanics.
Regulatory Compliance Overview
Polish licensing, MiCA custody, AML/KYC procedures.
Term Sheet (Template)
Standard terms for capital deployment. Customisable.
PDF / Word
Historical Loss Data
Liquidation case studies, recovery rates, portfolio performance.
PDF · when available
Ready to review the opportunity?
Book a due diligence call and receive the investment memorandum.
Interested in Funding Opportunities?
Request the investment memorandum or book a due diligence call with our team.