🇦🇺 Crypto Backed AUD Loans

Your crypto isn't just for holding.

Access Australian dollars today without selling.

150+

Clients

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Loans Approved

$32M+

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Trusted Partners

Borrow against your BTC and ETH

Borrow against your Bitcoin and Ethereum, with full transparency of your assets.

13%

Annual Interest Rate

$2,000

Minimum Loan Amount

50%

Loan-to-value ratio (LVR)

2%

Origination Fee

*Rates and terms are subject to change. Other terms and conditions may apply. Comparison Rate is 16.20% p.a. The comparison rate is based on a $5,000 secured loan for a term of 12 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Full transparency of your assets

Access liquid funds without parting with your valuable digital assets. We simplify borrowing with an intuitive interface, offering swift approvals, and expedited disbursement of funds.

Trust

As an Australian crypto platform, we have obtained relevant authorisations to comply with local regulations. Credit Representative 553950 under Australian Credit License 526970

Convenience

Bid farewell to tedious loan approvals and credit checks.
Vield delivers rapid approvals and same-day settlement, meeting your financial needs at the speed of crypto.

Transparency

We refrain from engaging your assets with DeFi platforms or hedge funds to secure liquidity. Instead, we opt for borrowing from private lenders, ensuring your assets remain safely in your wallet.

Not all crypto loans are equal

When it comes to borrowing against your crypto, not all platforms are created equal. At Vield, trust and transparency are at the core of everything we do.

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Vield

Competitors

Rehypothecation Policy

We never rehypothecate your assets. Your collateral is kept secure, used solely to back your loan — no hidden risks involved.

Lenders often rehypothecate client assets, using them for other purposes, which can introduce additional risks.

Collateral Security

We use multi-signature wallets and assign you with a unique address, so you know your assets are safe and traceable at all times. Your funds are not commingle with any other customers’ funds. We are committed to ongoing security improvements.

Security measures vary; some may not provide transparent tracking of individual collateral. Your funds are also at risk of being commingled with other customers.

Regulatory Compliance

🇦🇺 We operate under strict Australian financial regulations and appropriate licenses.
‍
Vield Pty Ltd (ABN 92 658 666 356) is a digital currency service provider registered with AUSTRAC (DCE100809730-001).

Vield Capital Pty Ltd (ABN 38 672 205 113) as Credit Representative (No. 553950) of LSL Alternative Credit Pty Ltd (ABN 55 641 811 181) Australian Credit Licence No. 526970.

Compliance levels vary; some platforms may operate in jurisdictions with less stringent regulations or based offshore.

Loan-to-Value Ratio (LVR)

We cap your LVR at 50% — this means we’re balancing borrowing power with careful risk management, keeping things safe for you.

LVRs can be higher, however, it would potentially increase risk for borrowers.

Asset Management Transparency

We never engage your assets with DeFi platforms or hedge funds to secure liquidity. Your crypto stays right where you store it, fully accounted for within secure wallets.

Some platforms may use assets for liquidity in DeFi or hedge funds, which can expose client collateral to additional market risks.

Early Repayment Options

We offer early repayment with a straightforward break fee, so you’re never locked in if your plans change.

Early repayment terms and fees vary; some may impose high penalties or lack clarity.

Wallet Visibility

You’ll have 24/7 real-time visibility of your crypto holdings in secured wallets, ensuring you have full visibility.

Transparency levels vary; not all platforms offer real-time updates or full visibility on collateral status.

Interest Rates and Fees

Our rate is 13% APR, compounded daily, with a simple one-time 2% origination fee. No hidden fees.

Interest rates and fees vary; some platforms may have higher rates or hidden charges.

Transparency and Monitoring

You’ll always be informed about the status of your assets with continuous monitoring and reporting - emails and SMS.

Transparency levels vary; some platforms may not offer continuous updates on collateral status.

Crypto Loan Calculator

Looking to find out your borrowing power for a crypto loan? Calculate how much you can borrow using BTC or ETH as collateral calculated at a maximum 50% LVR.

Origination Fee is calculated as one-time 2% on borrowed amount.

Simply enter your crypto balance, choose your preferred loan terms, and our calculator will provide you with a detailed breakdown of your loan amount, interest rates, and repayment options.

Sign up to calculate your loan size today.

Unlock your crypto's potential

Unlock your crypto potential for an instant loan with Vield, your trusted partner in crypto-backed AUD loans.

"By empowering investors with knowledge, we can help them use cryptocurrency to protect their investments and improve their financial well-being."

- Sam Teoh, Chief Financial Officer of Vield
(Former Chief Financial Officer of Binance Australia)

Frequently Asked Questions

What are crypto-backed AUD loans?

Crypto-backed AUD loans (also known as crypto loans), allow you to deposit crypto as collateral, and borrow Australian Dollars against your security/collateral. Similar to how traditional banks recognize property, gold and other assets, banks may give you a loan against these assets as a means to unlock cash/liquidity.

Which cryptocurrencies can I use as collateral for a loan with Vield?

At this stage, Vield will only accept Bitcoin (BTC) and Ethereum (ETH) as collateral. More coins in the future will be added. Please feel free to get in touch with us if you’d like to see other assets added.

What are the minimum/maximum loan sizes I can borrow?

With Vield, You can borrow a minimum of $2,000 and up to a maximum of $500,000 for a term of 12 months.

How long can I borrow for?

At this stage, Vield’s standard terms are 12 months. If you are looking for something more bespoke, we may be able to accommodate. Please reach out to support@vield.io.

What are the most common use cases for crypto-backed loans?

Vield has helped over 150 clients secure over $32 million AUD in loans. The most common use cases are for mortgage and property investments, home improvements, business growth, debt consolidation, tax obligations, and travelling.

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