Lending

Access cost-efficient credit solutions using crypto assets or mining hashrate as collateral.

Digital asset credit solutions from Sygnum let you stay invested while working towards your dreams, investing in new projects or fulfilling your liquidity needs. Your assets are secure with a regulated Swiss bank at competitive rates.

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Fast approval

Get your bank-grade digital asset credit line set up in less than 24 hours with your existing Sygnum account.

Competitive credit interest rates

Get special rates if you reinvest your credit line with us.

Flexiblity

Provide extra liquidity for your business or support your investments, while retaining ownership of your collateral.

Hashrate-backed loans for green crypto mining

Carbon-neutral crypto miners can benefit from Sygnum’s green financing solution for cash loans, which supports the transition towards a sustainable economy and addresses the financing gap in the crypto sector.

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Attractive yields
Name Price 24h % 7d %
Bitcoin
Bitcoin
$0 Arrow Icon 2.71% Arrow Icon 2.71%
ETH
Ethereum
$0 Arrow Icon 2.71% Arrow Icon 2.71%
USDC
USD Coin
$0 Arrow Icon 2.71% Arrow Icon 2.71%
XRP
XRP
$0 Arrow Icon 2.71% Arrow Icon 2.71%
Cardano
Cardano
$0 Arrow Icon 2.71% Arrow Icon 2.71%
Become a client All market prices

FAQ

How do I apply for the credit line?  

If you are a Sygnum client, please contact your Relationship Manager or our team here.

Most client loan applications can be assessed in the same business day.

What happens to assets once clients pledge them as collateral?  

Assets will be locked and unable to be transferred out, but will remain secure in the client’s Sygnum custody account. If the assets gain in value and the client becomes “over-collateralised”, the assets exceeding the collateralisation level become available for further trading and transferring out. This is an automatic process and is updated in real-time according to market prices.   

Which assets can be used as collateral?

We accept the following tokens as collateral: 

Solana and Polkadot tokens will be added soon to our platform.

Please click here for an overview of the digital assets we offer for custody, staking, trading and lending. Further tokens are available on request.

Who is eligible to obtain a credit line with Sygnum?

All private qualified and institutional Sygnum clients are eligible for a credit line using crypto assets as collateral.  

See full FAQs

Local restrictions – Provision of cross-border services

It looks like you are using a computer with an IP address located outside of Switzerland.
If you are located in Switzerland, please click “Continue” to access the Sygnum Bank AG (Sygnum) website.

If you are not located in Switzerland, please read below.

This website and the information contained herein are addressed solely to persons residing or domiciled in Switzerland.

Sygnum is a regulated bank supervised by the Swiss Market Financial Authority (FINMA). The products and services on this website are authorised in Switzerland. Sygnum cannot promote its products and services in other countries where it is not authorised by the supervisory authority of that country to do so.

If you click on “Continue” to visit this website, you confirm that you have read and understood the above and you are visiting this website on your own initiative without any active promotion or solicitation from Sygnum.

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Investor qualification

The following content is available to qualified investors. Please confirm your details below to visit this page, or please see our other digital asset updates here.

Qualified investor - As defined in Art. 10 (3) ff. of the Swiss Collective Investment Schemes Act. In particular, natural persons who have the knowledge required to comprehend the risks of the investments based on their individual education and professional experience or based on comparable experience in the financial sector and hold liquid assets of at least CHF 500,000.

A US Person is defined as (a) an individual who is a citizen or resident of the United States for federal income tax purposes; (b) a corporation, partnership or other entity created or organised under the laws of or existing in the United States; (c) an estate or trust the income of which is subject to United States federal income taxes regardless of whether such income is effectively connected with a United States trade or business.

Disclaimer:

The information in this publication pertaining to Sygnum Bank AG (“Sygnum”) is for general information purposes only, as per date of publication, and should not be considered exhaustive. This publication does not consider the financial situation of any natural or legal person, nor does it provide any tax, legal or investment advice. This publication does not constitute any advice or recommendation, an offer or invitation by or on behalf of Sygnum to purchase or sell any assets. No elements of precontractual or contractual relationship are intended. While the information is believed to be from accurate and reliable sources, Sygnum makes no representation or warranties, expressed or implied, as to the accuracy of the information. Sygnum expressly disclaims any and all liability that may be based on such information, omissions, or errors thereof. Any statements contained in this publication attributed to a third party represent Sygnum‘s interpretation of the data, information and/or opinions provided by that third party either publicly or through a subscription service, and such use and interpretation have not been reviewed by the third party. Sygnum reserves the right to amend or replace the information, in part or entirely, at any time, and without any obligation to notify the recipient of such amendment / replacement or to provide the recipient with access to the information. Simultaneously, there is no obligation of Sygnum to inform recipients of information, if before provided information later becomes outdated, inaccurate or obsolete, unless otherwise provided by applicable law. The information provided is not intended for use by or distributed to any individual or legal entity in any jurisdiction or country where such distribution, publication or use would be contrary to the law or regulatory provisions or in which Sygnum does not hold the necessary registration, approval authorization or license. Except as otherwise provided by Sygnum, it is not allowed to modify, copy, distribute or reproduce, display, license, or otherwise use any content for commercial purposes.

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Security alert

Stay alert to fraudulent communications. Sygnum will never post messages on social media or private messaging applications regarding Sygnum banking access or logins. If you have concerns, contact us.

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