Draw and repay as often as you need
Lending
A credit line that moves with your portfolio
A term loan answers one need on one date. A credit line answers a recurring one: draw what you need, repay when the cash comes in, and pay interest only on the balance that was actually outstanding.
Tier limits driven by pledged collateral
Interest charged only on the drawn balance
Tiers earned, not negotiated
Limits are set by tier, and tiers are driven by pledged collateral and account history rather than a private negotiation. As collateral grows and the account seasons, the tier and its rate improve on published terms.
The current tier, its limit, its rate and what the next tier requires are all visible in the client panel, so there is no guessing about how to move up.
Interest on the drawn balance only
An undrawn line costs nothing to hold. Interest accrues daily on the drawn balance and stops the day it is repaid, which suits lumpy working capital far better than a fixed-term facility.
Draws and repayments settle against your normal balances; there is no separate loan account to fund.
The same collateral discipline
Pledged assets are marked continuously and remain in custody. Margin alerts arrive with the specific amount needed to restore the position, well before any forced action.
Repaying to zero releases the pledge; keeping the line open with no balance costs nothing and keeps the tier in place.
Getting started
How it works
- 01
Qualify
Pledge collateral and see the tier limit and rate it unlocks.
- 02
Draw
Take what you need, when you need it, from the available limit.
- 03
Repay
Pay down at any time; interest stops on the repaid portion immediately.
Questions
Tiered credit lines: common questions
- How is my credit limit decided?
- By tier. Each tier has a published limit and rate, and your tier is determined by the collateral you have pledged and the history of the account. The requirements for the next tier are shown in the client panel.
- Do I pay for an unused line?
- No. Interest accrues only on the drawn balance, on a daily basis, and stops when that balance is repaid. Holding an open line with nothing drawn carries no interest cost.
- How is this different from a crypto-backed loan?
- A loan is a single draw for a set amount; a credit line is revolving, so you can draw and repay repeatedly up to the limit. Both are secured by collateral held in custody.
- What happens if collateral value falls?
- The position is marked continuously and alerts are issued ahead of any liquidation threshold with the exact top-up or repayment required to restore the tier.
Keep reading