About Reserve

Reserve is building a transparent way to borrow against Bitcoin: the financial infrastructure for long-term holders who refuse to sell.

Team

Toby Lewis

Toby Lewis

Co-founder / CEO

Co-founded OrdinalsBot and Trio, scaling to $4m in net revenue at peak. Previously led Novum Insights through multiple funding rounds.

Clarence Paterson

Clarence Paterson

Co-founder

Six years building Bitcoin mining infrastructure, bringing operational risk management and deep self-custody expertise to institutional lending.

Jonathan Hugh

Jonathan Hugh

Chief Financial Officer

Thirty years in CFO, CEO and NED roles across digital assets, fintech and commodities. Former CFO of Zodia and GSR. Led finance through 20x growth and over $500m in transactions.

Alexander Lawson

Alexander Lawson

Chief Technology Officer

Structured-credit operator who scaled lending books as VP of Risk at Clearco and KoalaFi, previously West Creek Financial. Owns loan structuring, liquidation frameworks, and margin methodology across Reserve's credit lines.

Board & Advisors

Dillon Healy

Dillon Healy

Non-Executive Director · Bitcoin Inc.

BD & Partnerships Lead at BTC INC for 5+ years. Bitcoin class of 2016. Active angel investor.

Luke Sestito

Luke Sestito

The Saudi Fund

Serial entrepreneur, blockchain real estate, GCC government advisor.

Chrissy Hill

Chrissy Hill

Former COO, Parity / Polkadot

General counsel to several blockchain businesses including Parity (Polkadot); former CLO and COO of the Tony Blair Institute.

The company

Reserve is the trading name of Bitcoin Asset Reserve Ltd, incorporated in England and Wales (Company No. 16686955), based in Altrincham, Cheshire. Collateral custody sits with major, proven FCA-regulated custodians; Reserve never holds client assets on its own balance sheet.

Credit and collateral parameters are owned by Reserve's Risk Committee, which signs off every product's LTV bands, cure windows, and collateral eligibility before it reaches borrowers.

Working towards FCA authorisation

Reserve is pre-launch and not currently authorised or registered by the Financial Conduct Authority. We intend to apply for authorisation when the FCA's cryptoasset application gateway opens (expected September 2026), and we are building the company to the standards we expect to be held to as a regulated entity, ahead of holding the permission itself.

Until authorisation is granted, cryptoassets are not protected by the Financial Services Compensation Scheme, and the Financial Ombudsman Service does not apply to our services.