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Bitcoin-Backed Loans through Sygnum Partnership: A Comprehensive Guide

Bitcoin-backed loans via Sygnum for Relai Private & Business clients

Luca avatar
Written by Luca
Updated this week

Introduction: Smart Liquidity with bitcoin

Unlock the potential of your bitcoin holdings without selling them. Partnering with Sygnum, a Swiss digital asset bank, we offer Lombard loans secured by your bitcoin, providing a flexible and efficient way to access liquidity. This is an exclusive service for our Relai Private and Relai Business clients - Please review the eligibility requirements listed below.


Key Benefits of bitcoin-Backed Loans

  • Access liquidity without selling your bitcoin.

  • Stay invested and retain long-term upside potential.

  • Experience quick turnaround with funding available in 2–3 business days.

  • Enjoy no forced repayments, with interest-only payments due quarterly.

  • Benefit from attractive rates, particularly when reinvesting with Sygnum.

  • Assets will remain secure in your Sygnum custody account.


Common Use Cases

  • Reinvesting in the market.

  • Funding personal or business needs.

  • Avoiding the triggering of tax events.


Collateral and Loan Terms

Item

Details

Accepted Collateral

bitcoin and 20+ other digital assets

Loan-to-Value (LTV)

Up to 40% for BTC

Minimum Loan Duration

12 months

Interest Rates (Reinvest)

CHF 5.15%, EUR 7.00%, USD 8.50% (if more than 50% of loan is reinvested with Sygnum)

Interest Rates (Cash)

CHF 6.15%, EUR 8.00%, USD 9.50% (if more than 50% of loan is used as cash)

Commitment Fee

1.0% commitment fee (waived if interest exceeds 1% in year)

Margin Call Process

Human-led; soft margin call at ~55% LTV; hard margin call at ~70% LTV; advisors work with clients to resolve, not liquidate.


Onboarding and Eligibility Criteria

To be eligible, you must meet Sygnum's onboarding criteria as a private individual or legal entity.


Eligibility Requirements

Requirement

Details

Minimum Age

18 years

Residency

Available to clients in most jurisdictions except for restricted countries (e.g., U.S., certain high-risk countries).

Accepted IDs

Valid passport or national ID from approved countries.

Source of Funds

Must be verifiable and consistent with declared wealth.

Initial Deposit Requirement

Typically, CHF 100,000 or equivalent.


Onboarding Process with Sygnum

  1. Online registration via Sygnum's secure platform.

  2. KYC verification (identity, residency, source of funds).

  3. Account activation and access to the Sygnum Suite.

  4. Loan facility setup (once approved).

Onboarding Timeline

Most clients are fully onboarded within a few business days if documents are in order.

To get started, simply reach out to the relevant Relai team:

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