Earn the best risk-adjusted Fixed income yields ever with near-zero default risk
Security-obsessed Bitcoiners are paying higher yields due to limited options currently
Best risk-adjusted yields
Earn the best risk-adjusted Fixed income yields ever with near-zero default risk.
Security-obsessed Bitcoiners
Security-obsessed Bitcoiners are paying higher yields due to limited options currently.
Overcollateralized loans
200% over-collateralisation with 3-of-4 multi-sig wallets and automated LTV monitoring.
Lending Services
Long-term Indian Bitcoin holders represent nearly $50 Billion of unrealized gains. Unlike all other cryptocurrencies, Bitcoin has the most liquid market, the lowest volatility, and most time-tested and mature protocol.
With Valuete Marketplace, you are granted access to vetted Borrowers seeking INR-nominated loans that are overcollateralized with their Bitcoin holdings. Hard LTV limit-triggers are in place to quickly alert and address the borrower of any adverse LTV conditions; and if necessary, to automatically commence the liquidation process far ahead of any highly unlikely lender loss. We encourage our users to borrow within your means as well as theirs. As backstop, the loan and the conditions associated with the collateral are all 100% enforced by local law.
To get started, simply seek a borrower on the Marketplace that fits your investment thesis and connect using the Valuete web portal to start the loan process. Note, for regular non-professional Lenders, Valuete provides all the templates for loan and security agreements used to initiate the loan process.
How Valuete Works for Lenders
Valuete is a non‑custodial marketplace for bitcoin‑backed loans, powered by 3‑of‑4 multi‑sig wallets and 200% over‑collateralisation. You lend into legally‑enforced, asset‑backed contracts; borrowers lock more than enough BTC into multi‑sig escrow before any funds move.
Your capital, our infrastructure
- ·You choose offers by yield, term, and risk profile.
- ·Borrowers deposit BTC collateral into a dedicated multi‑sig address, visible on‑chain at all times.
- ·Contracts define LTV thresholds, margin calls, and liquidation rules up front, with smart monitoring and alerts.
- ·You receive principal + interest at maturity or earlier if the borrower repays, with collateral as your downside protection all the time.
Why Lend with Valuete?
Higher, More Efficient Yield
Target 12–16% p.a. on secured BTC‑backed loans, instead of 5–7% from FDs and bonds, while retaining upside to long‑term Bitcoin appreciation.
Non‑Custodial Multi‑Sig Security
Collateral sits in a 3‑of‑4 multi‑sig wallet shared between lender, borrower, Valuete, and an independent key partner. No single party can move funds, and every satoshi is traceable on‑chain.
Conservative Risk Engine
All loans are over‑collateralised (typically 200%+), with clear LTV bands, automated margin‑call alerts, and pre‑agreed liquidation logic designed to keep you whole even in volatile markets.
Legal and Operational Robustness
Each loan is backed by a digitally‑signed, lawyer‑vetted contract enforceable in Indian courts, with optional legal support in edge cases and structured dispute‑resolution flows.
Full Transparency and Control
Your dashboard shows live collateral value, LTV, contract status, and payment history. No rehypothecation, no opaque pooling, no hidden fees.
Your Simple 5‑Step Lender Journey
- 01
Onboard & Verify: Create an account, complete KYC, and link your Bitcoin wallet and bank account.
- 02
Select or Create Offers: Browse curated borrower demand or publish your own offer specifying amount, rate, term, and acceptable LTV.
- 03
Collateral Lock‑In: Once matched, the borrower deposits BTC into a unique multi‑sig escrow address; you can independently verify the transaction on‑chain.
- 04
Earn Passively: Funds are disbursed as per the contract, and you start accruing interest from day one of the loan term.
- 05
Repayment or Liquidation: At maturity, you receive principal + interest in your chosen currency. If the borrower fails to cure margin calls or repay, collateral is liquidated according to contract terms, with any surplus returned to the borrower.
Who Should Lend on Valuete?
· HNIs, family offices, and funds seeking secured BTC credit exposure instead of spot or unsecured lending.
· Companies wanting to deploy treasury into structured, over‑collateralised loans.