Don’t sell, but HODL.

Watch your Bitcoin appreciate in value as you capture its value tax-free with an INR backed loan.

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Borrower Services

Watch your Bitcoin appreciate in value as you capture its value tax-free with an INR backed loan.

The Valuete Marketplace connects you with eligible Lenders willing to providLeavee INR loans that are collateralized with your Bitcoin holdings. This free-to-use marketplace provides the most competitive loan terms based on your borrowing needs such as loan amount, duration, and repayment terms.

There is no longer a need to give up control of your Bitcoin collateral. With the Valuete Vault service, you can transfer your Bitcoin collateral to a multi-sig wallet that requires consensus from 2 of 3 key holders (Borrower, Lender, and Valuete) for access. This majority consensus solution completely eliminates any custodial risk and bad actor lenders ‘reusing’ your Bitcoin holdings.

Not only is there no adverse tax consequence for capturing value of your Bitcoin assets with this loan, but under some situations you may be eligible to deduct your loan’s interest, e.g. if the proceeds are used for business expenses, qualified higher education expense, and taxable investments.

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How It Works

  • 01

    Create Account

    Kickstart the process by registering for a secure Valuete Borrower account. Complete a quick verification to access our marketplace and start leveraging your crypto assets for liquidity.

  • 02

    Post Offer

    Define your ideal loan parameters including interest rate, duration, and amount. Your offer is instantly broadcast to our network of vetted lenders, ensuring a quick and competitive match.

  • 03

    Execute Security Agreements

    Finalize the deal seamlessly within the Valuete portal using our standardized, lawyer-vetted security agreements, or opt to integrate your own custom loan frameworks if preferred*.

  • 04

    Transfer BTC

    Securely deposit your Bitcoin collateral into a unique, transparent multi-sig contract generated specifically for your loan, ensuring your assets remain locked and safe on-chain.

  • 05

    Retrieve Funds

    Once collateral is verified, the lender initiates a direct bank transfer. You receive the funds in your designated account according to the agreed schedule, giving you immediate access to capital.

  • 06

    Payback Funds

    Adhere to the repayment schedule by returning the principal and interest to the lender's bank account. Timely payments build trust and ensure the smooth conclusion of the loan lifecycle.

  • 07

    Maintain Healthy Collateral Ratio

    Proactively monitor your Loan-to-Value (LTV) ratio. Keep your collateral ratio above 200% to maintain a healthy loan status, preventing margin calls and protecting your assets from liquidation.

  • 08

    Release Collateral

    Upon full repayment validation by the Lender, the multi-sig smart contract automatically unlocks your Bitcoin. Your collateral is securely returned to your wallet, completing the transaction.

Risk Mitigation Process

We got you covered at each step

Loan Initiation

Loans are initiated with a strong safety buffer at a conservative 50% Loan-To-Value (LTV) ratio. This means for every dollar lent, the borrower deposits twice the value in Bitcoin collateral, ensuring your capital is heavily over-collateralised from day one.

Notification of pending Action

If market volatility pushes the LTV to 65%, our system automatically triggers a proactive notification. This early warning alerts the borrower to the changing health of their loan, giving them ample time to prepare funds or collateral before critical levels are reached.

Margin Call

At 70% LTV, a formal margin call is issued. The borrower is required to restore the loan's health by depositing additional collateral or paying down a portion of the principal within 72 hours, preventing the risk of default.

Liquidation of assets

If the LTV hits 83%, a final liquidation event occurs. To protect lender capital, the smart contract automatically sells a portion of the collateral to restore the LTV to a healthy level, ensuring you are made whole while returning any remaining surplus to the borrower.

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