Bitcoin-Backed Lending
Offer collateralized lending using Bitcoin. Automated LTV monitoring, margin calls, and custody-independent infrastructure. Powered by Lana, our purpose-built lending platform.
Offer collateralized lending using Bitcoin. Automated LTV monitoring, margin calls, and custody-independent infrastructure. Powered by Lana, our purpose-built lending platform.
Bitcoin holders want to borrow against their holdings without selling. Banks want the ability to offer modern financial products that customers expect. Lana handles the full lending lifecycle (origination, monitoring, margin calls, and close) while your institution controls custody and compliance.
Earn interest and fee revenue on loans secured by Bitcoin collateral with conservative LTV ratios.
Conservative loan-to-value ratios provide a substantial collateral buffer, reducing credit risk for your institution.
Bitcoin collateral stays with your qualified custodian. Your institution maintains full control over collateral assets.
Everything your institution needs to run a Bitcoin-backed lending program
Real-time loan-to-value ratio tracking with configurable thresholds for margin calls and liquidation triggers.
Automated borrower notifications when LTV approaches thresholds. Configurable grace periods and escalation paths.
Configurable liquidation workflows when collateral values breach limits. Manual controls with custodian-integrated execution.
Pre-built integrations with Comainu, BitGo, and other qualified custodians. Webhook-based communication for collateral operations.
Every action logged (user and system). Built-in financial reporting with balance sheet and P&L generation for regulatory examination.
Configurable roles and permissions for your team (bank managers, accountants, administrators) with full access control over loan operations.
Borrower requests loan amount and transfers Bitcoin collateral to custody.
LTV is calculated, terms are set, and funds are disbursed to borrower's account.
Real-time LTV tracking with automated margin calls if thresholds approach.
Borrower repays loan. Collateral released minus any fees or interest.
Lana deploys as a sidecar alongside your existing banking core, whether you run Jack Henry, FIS, Fiserv, or another platform. No core replacement required.
Loan origination, LTV monitoring, and margin call data flow back to your general ledger through your core's existing integration pathways, keeping your reporting and compliance workflows intact.
See how Galoy can help your institution capture the Bitcoin lending opportunity.