Capital, secured by Bitcoin
Heavily overcollateralised lending against the most liquid digital asset, with segregated custody and no rehypothecation, built for capital that takes security seriously.
Reserve connects qualified capital with Bitcoin-backed borrowers. In this model, every loan is heavily overcollateralised, with collateral held in segregated per-borrower wallets by major, proven FCA-regulated custodians. Capital is never pooled or re-lent, and pledged collateral is held legally separate from Reserve's own assets.
Key Terms
How It Works for Lenders
Express interest
Tell us your target allocation, preferred currency, and any specific requirements. We'll walk you through the structure and answer due diligence questions.
Due diligence & agreement
Review Reserve's financial model, custody arrangements, and legal framework. Execute a formal lending agreement with agreed terms.
Capital deployment
Capital is deployed into Bitcoin-backed loans under the agreed framework, with reporting throughout. The economics, mechanics, and legal form are all settled in documentation before anything moves.
Structure & protections
Contracting entity. Lending arrangements are entered into with Bitcoin Asset Reserve Ltd (Company No. 16686955, England and Wales), under a formal lending agreement governed by English law.
Collateral security. Borrower collateral is held in segregated per-borrower wallets under a tri-party account control deed, with a first-ranking fixed charge over the collateral securing each loan. Beneficial ownership remains with the borrower throughout; the collateral never appears on Reserve's balance sheet.
What happens on a breach. If a position deteriorates past its agreed margin-call threshold, the borrower has a structured cure window to add collateral or pay down principal. Past the liquidation threshold, only enough collateral is sold to restore the position to health: a partial workout, with sale proceeds applied to repay lender principal and costs first. Any surplus remains pledged to the borrower. Specific thresholds live in the loan documentation.
Programme status. Reserve is pre-launch and has originated no loans to date. Lender terms, reporting, and the full legal framework are shared during due diligence.
For institutions and family offices
Reserve works with institutional capital providers on bespoke mandates, with dedicated reporting and direct access to the founding team. If you are evaluating the Bitcoin-backed lending category seriously, we would like to speak with you directly.
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This is not a solicitation or offer to sell securities. All lending arrangements are subject to due diligence, legal documentation, and regulatory approvals.