About us
An old idea of credit, rebuilt for crypto.
Lombard Private lends euros, dollars, pounds and Swiss francs against bitcoin, ether, Solana and dollar stablecoins, without asking who you are. This page sets out what we believe, what we refuse to do and how we earn our living.
- Noneidentity documents, email or phone
- €0fees to borrow or repay
- 72 hto act on a margin call
- < 1 htypical time to funds
What we do
Cash against your crypto, without the paperwork.
We provide Lombard loans secured by crypto-assets. You pledge bitcoin, ether, Solana or dollar stablecoins; we pay euros, US dollars, pounds sterling or Swiss francs to the bank account you choose; you repay when it suits you and get your collateral back.
It is the loan private banks have long offered against portfolios of shares and bonds, applied to digital assets, with three differences we care about: we do not ask who you are, we never put your collateral to work, and you can verify it on-chain whenever you like.
Our clients are individuals and companies who hold crypto for the long term and need liquidity without selling: for a property deposit, a tax bill, business cash flow or a bridge until another sale completes.
At a glance
- Collateral
- BTC · ETH · SOL · USDT · USDC
- Paid in
- EUR · USD · GBP · CHF By bank transfer
- Loan size
- €1,000 – €2,000,000 Tailored terms above
- Rates
- Bitcoin from 8.9% APR, all-in Stablecoins: flat 6.9%
- Fees to borrow or repay
- None
- Time to funds
- Typically within the hour Once your collateral is confirmed
- What we ask
- An account number and a password No ID, email or phone
What we believe
Six principles we built the service around.
Each one is backed by a published policy.
Privacy is a right
We hold an account number, a password hash, your collateral and the payout account you choose. No identity documents, no email, no phone, no tracking.
Privacy by designVerify, don’t trust
Every loan has its own on-chain address. You do not have to take our word that your collateral is there: you can check it yourself, at any time.
Proof of collateralA pledge is not ours to use
Your collateral is never lent, staked, pledged or rehypothecated. It stays at its address, in multi-signature cold storage, until you repay.
Custody & keysPlain numbers
One all-in rate, no fees to borrow or repay, and your margin-call and liquidation prices shown before you commit.
RatesFair when markets fall
Early warnings, 72 hours to act on a margin call, and partial sales only: we sell what is needed, never more.
Liquidation policyPeople, in one private place
Human advisors answer by secure message in your client area, 7 days a week. We never email, call or text you.
How we contact you
Our refusals
What we will never do.
Some commitments are easier to keep once they are written down. These are ours.
- Issue a token, or ask you to buy one to get a better rate.
- Lend, stake, pledge or rehypothecate your collateral.
- Sell or rent data, or use it for advertising.
- Set cookies, run analytics or load third-party scripts on this website.
- Email, text or call you. Everything happens in your client area.
- Ask for your password, your recovery kit or a wallet seed phrase.
- Charge a fee to open, manage or repay a loan early.
- Sell all your collateral when a partial sale is enough.
How we make money
Interest. That is the business.
A lender’s incentives shape how it treats you, so here is the complete list of what we earn, and what we do not.
Why it matters
We earn when loans run their course. A liquidation fee is charged only if a liquidation actually happens, and our early warnings, 72-hour margin-call period and partial sales are there to give you time and room to act before one is needed.
| Source | We earn |
|---|---|
| Interest on loansAll-in APR, accrued daily on what you owe | Yes |
| Liquidation fees1% (partial) or 2% (full) of the amount sold | Only if one happens |
| Origination, administration, early repaymentNo fee to borrow, manage or repay | Never |
| SWIFT payoutsCharged at cost | No margin |
| Returning your collateralNetwork fee at cost, shown before you confirm | No margin |
| Lending or staking client collateralIt stays at its own address | Never |
| Data or advertisingWe hold almost no data, and sell none | Never |
Our name
Why “Lombard”.
In the Middle Ages, merchant-bankers from Lombardy, in northern Italy, financed trade across Europe by lending against pledged goods. London’s Lombard Street still carries their name, and so does the Lombard loan, the private-banking term for credit secured by a portfolio.
The idea has not changed in centuries. You hand over a pledge, you receive money, and you get the pledge back, intact, when you repay. The lender’s only duty towards the pledge is to keep it safe. We added one thing the Lombards could not offer: a way to check, at any moment, that it is still there.
“Bankrupt” is said to come from banca rotta, the broken bench of a money-lender who could no longer honour his word. We never lend your pledge, so we never break ours.
Who we are
People you can reach, names we keep private.
We do not publish the names or photographs of our staff. It is a deliberate choice.
Names and faces are what impersonators use to make a fake email or a fake call look genuine. Our clients’ best protection is a rule without exceptions: nobody from Lombard Private will ever contact them outside their client area. The advisors who answer you there are real people, available 7 days a week, and every conversation stays next to your loan.
See our legal notice for the publisher of this website.
How to reach us
- Secure messages in your client area, 7 days a week.
- No email address, no phone line, no support on social networks.
- Anyone contacting you elsewhere in our name is not us.
Questions
About us: straight answers.
The questions people ask before trusting a lender they have never met.
Help centreWhy don’t you publish the names of your team?
Because names and photographs are what impersonators use to make a fake email or a fake call look genuine. Our clients’ best protection is a simple rule: nobody from Lombard Private will ever contact them outside their client area. The advisors who answer you there are real people, available 7 days a week.
Is Lombard Private a bank?
No. Lombard Private lends against crypto-assets; it does not take deposits. Loans and collateral are not covered by any deposit-guarantee or investor-compensation scheme. Your collateral is held at an address dedicated to your loan and is not mixed with our own assets.
How does Lombard Private make money?
From the interest on its loans. A liquidation fee of 1% (partial) or 2% (full) of the amount sold is charged only if a liquidation happens. There are no fees to borrow, manage or repay a loan, and we never lend client collateral or sell data.
Why don’t you ask for identity documents?
Because a loan secured by collateral does not depend on who you are: the collateral protects the loan. We designed the service to hold as little personal data as possible, since data that is never collected cannot leak, be sold or be used to phish you. The only personal detail involved is the bank account that receives your loan.
How can I contact you?
By secure message from your client area, 7 days a week. We have no email address or phone line for clients, by design: if someone contacts you in our name by email, text, phone or on social media, it is not us.
Keep your crypto. Get the cash.
Price your loan in seconds and receive your funds, typically within the hour.
- No KYC
- No email, no phone
- Zero fees
- Repay any time