Paid in Swiss francs · SIC · SWIFT
Borrow Swiss francs against your crypto. Paid to your bank.
Pledge bitcoin, ether, Solana or stablecoins and receive Swiss francs by SIC on a Swiss account, or by SWIFT on a franc account abroad. The Lombard loan of Swiss private banking, applied to crypto, without the paperwork.
Bitcoin CHF 68,630+0.1% today
- No ID, no email, no phone. Your account is a number
- From €1,000 or the equivalent in Swiss francs
- Zero fees to borrow or repay early
- Repay in Swiss francs, USDT or USDC
Your loan in Swiss francs
BTC CHF 68,630
- APR, all-in
- 10.9%No fees
- Per month
- CHF 227interest
- Margin call
- CHF 49,021BTC −29%
- Liquidation
- CHF 42,894BTC −38%
Paid by SIC · No sign-up to see your rate
- SICto Swiss accounts, SWIFT elsewhere
- 6.9%APR from, all-in
- Zeroarrangement or exit fees
- 72 hto act on a margin call
- < 1 htypical time to send, on banking days
Payout
How francs reach your account.
Payouts to Swiss accounts go through SIC, the Swiss interbank payment system. Franc accounts outside Switzerland are paid by SWIFT.
- Payment systems
- SIC for accounts in SwitzerlandSWIFT for franc accounts elsewhere
- Arrival
- SIC: settled on Swiss banking daysSWIFT: usually one to two business days
- Accounts
- Swiss IBANs (CH…) by SICOther franc accounts by SWIFT
- Payout fee
- SWIFT at costAny payout cost is shown before you confirm
- Beneficiary
- Name and IBAN exactly as your bank holds them
- Repayment
- By bank transfer in francs with the reference shown in your client area, or in USDT or USDC
Payout confirmation
Example
- Amount
- CHF 25,000.00
- Rail
- SIC
- To
- CH93 •••• •••• •••• 0957
- Value date
- Same banking day
- Sent
- 10:45
- Reference
- LP-05172
- Status
- Sent
Kept in your client area with your loan agreement
What you can borrow
Your crypto, in Swiss francs, today.
What typical holdings support at the Balanced and maximum loan-to-value, at today’s reference prices.
| Collateral | Balanced loan | Maximum loan |
|---|---|---|
| 1 BTCworth CHF 68,630 | CHF 34,315at 50% · 10.9% | CHF 41,178at 60% · 12.9% |
| 10 ETHworth CHF 20,707 | CHF 8,283at 40% · 11.4% | CHF 10,354at 50% · 11.4% |
| 100 SOLworth CHF 9,119 | CHF 2,736at 30% · 10.4% | CHF 3,647at 40% · 12.4% |
| 50,000 USDCworth CHF 41,524 | CHF 26,991at 65% · 6.9% | CHF 33,219at 80% · 6.9% |
Reference prices at 04:57 UTC, converted at the market exchange rate. Rates are all-in APRs; amounts of €250,000 or more receive a lower rate.
Currency
Why the franc’s exchange rate matters.
Crypto-assets are priced in US dollars on the market. When the franc strengthens against the dollar, your collateral is worth fewer francs, and your loan-to-value rises. The franc has often strengthened in periods of market stress, which can coincide with falling crypto prices.
New LTV = LTV × (1 + rise of the franc against the dollar)
Borrowing in dollars removes the effect; borrowing in Swiss francs keeps your repayments in the currency you spend. Either way, the thresholds are the same: margin call at 70%, partial liquidation at 80%.
A 50% loan as the franc moves
| Franc against the dollar | Rate | Your LTV |
|---|---|---|
| −10% | CHF 1 = $1.0836 | 45.0% |
| −5% | CHF 1 = $1.1438 | 47.5% |
| Unchanged | CHF 1 = $1.2040 | 50.0% |
| +5% | CHF 1 = $1.2642 | 52.5% |
| +10% | CHF 1 = $1.3244 | 55.0% |
Today: CHF 1 = $1.2040. Collateral prices unchanged in dollars. Alerts start at 65% loan-to-value.
Questions
Loans in Swiss francs: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreCan I get a crypto loan in Swiss francs?
Yes. Pledge bitcoin, ether, Solana, USDT or USDC and receive Swiss francs by SIC on an account in Switzerland, or by SWIFT on a franc account abroad.
How are Swiss franc loans paid?
By SIC, the Swiss interbank payment system, to accounts in Switzerland, and by SWIFT to franc accounts elsewhere. SIC payments are settled on Swiss banking days; SWIFT payments usually take one to two business days.
Is a Lombard loan common in Switzerland?
Yes. Swiss private banks have long offered Lombard loans against securities portfolios, usually with high minimums and full due diligence. We apply the same principle to crypto-assets, from €1,000 or its equivalent, without documents.
Does the franc’s exchange rate affect my loan?
Yes. Crypto is priced in US dollars, so if the franc strengthens against the dollar, your collateral is worth fewer francs and your loan-to-value rises. A 5% rise of the franc takes a 50% loan-to-value to about 52.5%.
What fees apply to franc payouts?
SWIFT payouts are charged at cost, and any payout cost is shown before you confirm. There are no origination, administration or early-repayment fees.
Can I repay in Swiss francs?
Yes, by bank transfer in francs with the reference shown in your client area, or in USDT or USDC, in full or in part, at any time and with no fee.
Your crypto, in Swiss francs.
Price your loan in seconds and receive your Swiss francs, typically within the hour.
- No KYC
- No email, no phone
- Zero fees
- Repay any time