Bitcoin-Backed Institutional Lending & Prime Services

Unchained provides Bitcoin-backed financing and high-touch prime services for institutional clients, combining margin lending with collaborative custody to prevent rehypothecation while delivering liquidity solutions.

Bitcoin-Backed Lending

Unchained offers Bitcoin-backed loans that provide liquidity without requiring clients to sell their Bitcoin holdings, using collaborative 2-of-3 multisig custody to prevent rehypothecation - a critical differentiator from traditional prime brokerage.

Commercial Loan Structure

• Minimum Loan Amount: $150,000 for commercial loans
• Institutional Scale: $3 million minimum for institutional clients
• Fast Funding: Receive US dollars in bank account within 2 business days
• Simple Application: No invasive paperwork required compared to traditional loans
• Interest-Only Payments: 30-day payment intervals with interest-only structure
• 12-Month Terms: Standard 12-payment term loans

Collaborative Custody Protection

Client Key: Client company holds one key to verify transactions

Unchained Key: Unchained holds one key for loan servicing

Third-Party Key Agent: Fortis holds one key as independent agent, signing only if loan terms are breached or Unchained is unavailable

Title Retention: Client retains title to Bitcoin for duration of loan with on-chain verification throughout the loan period

Loan Terms & Pricing

• Interest Rate: 12% (14.18% APR as of current pricing)
• Origination Fee: 2% of loan principal
• Collateral-to-Principal Ratio: Typically 200% at origination
• Dashboard Management: Easy-to-use loan dashboard with health status monitoring
• Collateral Management: Simple tools to add collateral when Bitcoin price fluctuates

Use Cases

• Working capital for Bitcoin mining companies
• Business expansion financing
• Corporate debt consolidation
• Treasury liquidity management
• Bitcoin mining operations
• Investment funds holding Bitcoin
• Family offices with significant Bitcoin holdings

Institutional Prime Services

For large-scale institutional borrowers ($3M+), Unchained provides specialized lending with custom terms tailored to institutional requirements while maintaining the security and non-rehypothecation guarantees of collaborative custody.

Institutional Features

• Large-Scale Financing: Designed for corporations, funds, and institutional Bitcoin holders
• Custom Terms: Tailored loan structures for institutional requirements
• Fast Processing: Institutional-grade service with quick funding timelines
• Same Security Model: Maintains multisig custody preventing rehypothecation

Unchained Signature Premium Services

High-net-worth clients and institutions can access premium white-glove services through Unchained Signature, providing dedicated relationship management across all Unchained services including lending.

Premium Benefits

• Dedicated Account Manager: Personal relationship manager for all Unchained services
• Lowest Trading Fees: Access to the best trading rates Unchained offers
• Expedited Onboarding: Priority setup and faster service delivery
• Priority Support: Enhanced customer service with dedicated contact (24/7 available)
• Flexible Service Package: Tailored Bitcoin strategy crafted to unique client goals
• Pricing: $500/month (billed annually)

No Rehypothecation Guarantee

Unlike traditional prime brokers and other Bitcoin lending platforms, Unchained's collaborative custody model makes rehypothecation impossible - the company cannot lend, use, or move client Bitcoin without client participation in signing transactions.