Lending – digital assets as collateral
Unlocking the value of digital assets as collateral lets banks grow their services with clients. Sygnum provides secure, efficient lines of credit based on the loan-to-value of the digital assets. This lets your clients stay invested while providing them flexibility.
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Integrated services
The lending service is seamlessly integrated into the all-in-one digital asset banking access, allowing your clients to keep ownership of these assets as they remain in their secure custody solution.
Risk management
With a well-regulated Swiss bank as a partner for digital asset lending, rigorous risk processes are integrated into the digital asset banking access. Collateral management, settlement limits and bank-to-bank lending are easy to manage.
Competitive terms
Sygnum’s flexible terms and competitive rates have no hidden fees or conditions. Your clients can access a credit line quickly and use it anyway wish to – as a source of liquidity or to support an investment.
Learn more about lending
Multi-sig processes are implemented to validate and execute transactions.
FAQ
Which cryptocurrencies does Sygnum offer custody services for?
Sygnum’s range of tokens available for custody is constantly expanding. Click here for an overview of the digital assets we offer for custody, staking, trading and lending. Further tokens are available on request.
What is Sygnum’s multi-custody solution?
Sygnum offers an institutional-grade multi-custody solution that fulfils the highest security standards. Our clients have access to both trading and vault wallets, with the private keys in hardware security modules (HSMs), which are located in geo-redundant high security data centres in Switzerland. Sygnum’s multi-layer security setup is audited and certified according to the ISAE 3402 standard.
How are wallets secured at Sygnum?
Assets at Sygnum are safeguarded by a multi-layered, bank-grade security architecture combining Swiss-made security hardware, industry-leading physical and cyber security and geo-redundant Swiss data centers.
As a regulated Swiss bank, Sygnum is able to hold all client digital assets off-balance sheet. This means they are legally ring-fenced and remain fully protected and accessible in the unlikely event of insolvency.
Furthermore, our custody platform is tested regularly and independently audited and certified by an external auditor.
Within Sygnum’s banking platform, clients can hold digital assets in different wallets, including trading, vault and cold wallets, depending on how the assets are intended to be used.
All wallets operate under the same institutional custody framework and follow strict governance and control processes.
What insurance is included for funds held with Sygnum?
Esisuisse insurance covers up to CHF 100,000 on fiat deposits held at Sygnum. All crypto assets at Sygnum are held off-balance sheet and are bankruptcy remote in the unlikely case of a Sygnum insolvency. Furthermore, Sygnum has limited insurance cover against loss of digital assets, i.e., due to internal fraud.
Industry voices
“Sygnum has shown that they deliver on their promises and are on their way to achieving their vision of transforming finance and building the digital asset economy.”
“I think that Switzerland and Singapore are uniquely positioned to become world leaders in financial applications of DLT due to their outstanding technical expertise and long experience and strong expertise in financial services. In addition, regulatory frameworks in both countries are somewhat similar and innovation friendly.”