Discover our new crypto Lombard loan service: borrow against your Bitcoin or Ethereum with low interest rate and fast approval. Unlock liquidity without selling your crypto.
6 minutes|Yann Gerardi|Published 2025-06-05|Updated 2025-06-06
We are excited to announce that we have partnered with several Swiss banks to offer you crypto Lombard loans, or in other words the possibility to borrow fiat by depositing crypto-assets as collateral.
After years of providing purchase and cash out service for large amount transactions, we are now enriching our offering for crypto whales with the possibility to borrow liquidity by depositing Bitcoin or Ethereum as loan guarantee.
Lombard loans are an old time favorite tool in traditional banking, beloved for its simplicity and efficiency to make extra use of assets to borrow money. The loan is typically guaranteed by a traditional type of asset, such as gold or equities.
With a crypto Lombard loan, liquidity is borrowed in fiat currency such as USD, EUR or CHF by depositing a crypto-asset in collateral.
We now bring you this great lending tool for BTC and ETH-backed loans, which will allow you to get liquidity for your personal or professional project without having to sell your crypto-assets, remaining that way exposed to their potential of value increase.
With this new service, we are able to offer the following Lombard loan conditions to our clients:
This new offering is available to anyone who satisfy the following conditions:
To request a Bitcoin or Ethereum Lombard loan, you will need to register with us, pass your KYC and provide a few information on the origin of your funds. Our team will of course assist you in this process.
If you are interested, please fill the form below and our team will get back to you shortly.
A Lombard loan is secured by crypto-assets provided as collateral. Given the high volatility of such assets, their value can decline suddenly and significantly. In such cases, the borrower may be required to either provide additional collateral, repay part or all of the loan, or face the liquidation of their collateral. In the event of a sharp drop in collateral value, the lender may initiate an immediate sale of the assets without prior notice, potentially resulting in substantial losses.
There is also a fiscal risk depending on your country of residence, as the taxation of crypto Lombard loans has not yet been officially determined in all countries. As a result, future fiscal rulings might result in unfavorable tax decisions regarding your crypto Lombard loan.
This information is provided for general informational purposes only and does not constitute financial advice, an offer, or a solicitation to buy, sell, or engage in any financial product or service. Individuals should seek independent professional advice tailored to their circumstances before making financial decisions.
If the value of your crypto collateral decreases and that it approaches the liquidation threshold determined in your loan terms, the bank will first contact you to add more funds to the collateral, or to pay back part of the loan. Otherwise, if the collateral value goes below the LTV ratio it will be liquidated proportionally to the missing value.
The duration and payment terms of the loan are flexible and can be negotiated, depending on your profile and on the amount borrowed.
You can find the current key interest rates for the main fiat currencies on this page.
Yes, it is possible to add funds to the collateral and decrease the LTV.
The loan can only be repaid in the fiat currency that you have borrowed, but you can use our service to cash out any cryptocurrency that we support to pay back the fiat amount.
When the value of the collateral increases, the risks of margin calls and liquidation decrease. It can also potentially give access to additional funds to be borrowed.
Any financial asset that can be transferred between securities account, i.e. that has an ISIN code, can be in principle used as loan collateral.
The crypto collaterals are kept in custody in Swiss banks that use institutional grade crypto storage solutions. The funds of each client are kept on a segregated wallet and not mixed with the funds of other clients.
The Swiss banks keeping the crypto collaterals are entirely responsible for the security of their custody solutions, the funds are therefore guaranteed in case of security incidents. In case of bankruptcy of the financial institution, the legal depositor protection provisions of Switzerland apply.
No, unfortunately wrapped or staked ETH tokens cannot be used as loan collaterals.
No, stablecoins are not accepted as collateral for Lombard loans.
Yes, corporate entities can also apply for a crypto Lombard loan.
About the author
Yann is the head of marketing of Mt Pelerin. He fell down the rabbit hole of crypto at the end of 2017, when he joined the assembling team that would give birth to Mt Pelerin.
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