Institutional-grade crypto lending

Sygnum’s lending solutions allow clients to access liquidity while remaining invested. Fiat funds are provided without selling digital assets, with collateral remaining client-owned, held off-balance sheet, bankruptcy-remote, and not rehypothecated. Credit lines are integrated with custody and trading services for centralised management.

Become a client Contact us

Flexible, regulated crypto credit

Sygnum enables private, qualified, and institutional clients to meet liquidity needs while remaining invested in their digital asset portfolios. You can draw and repay funds flexibly and only pay interest on daily utilised balances. Loan proceeds are available directly in fiat, and your pledged assets stay in your custody account with full segregation and no rehypothecation.  Fast approval, with support for over 20 cryptocurrencies including Bitcoin (BTC), Ethereum (ETH) and Solana (SOL). 

Regulated lending

Sygnum’s lending framework provides clarity and strong asset protection, with all lending activity operating under its Swiss banking licence. Your collateral remains in your name, held off-balance sheet, and never rehypothecated, supporting transparent credit management aligned with regulatory standards.

Institutional-grade custody

Your digital assets stay within Sygnum’s institutional-grade custody platform with full segregation for Vault wallets. You retain ownership unless a credit event occurs. Continuous risk monitoring supports timely communication and margin management under defined operational processes.

Fast, flexible credit setup

Credit lines are typically approved within one business day, giving you quick access to liquidity. Facilities operate as overdraft limits, allowing you to draw, repay, and draw again as needed, with interest charged only on daily utilised balances.

Integrated bank platform

Your lending facility connects directly to custody, trading and staking. When your collateral becomes over-collateralised, excess assets automatically become available for trading or withdrawal. Loan proceeds are delivered in fiat currencies such as CHF, EUR or USD.

Lending offering

Lombard loans

Access liquidity while staying invested in your digital assets. Sygnum’s Lombard loans offer fast approval, flexible drawdown, and interest charged only on daily utitilised balances. Your collateral remains in your custody account, fully segregated and never rehypothecated.

Learn More

Staked assets as Lombard loan collateral

Use staked ETH, SOL and POL as collateral for Lombard loans to access fiat liquidity while continuing to earn possible staking rewards. This allows you to unlock liquidity from staked assets without unstaking or selling.* Staking rewards generated during the loan term can be used to cover the majority of borrowing fees, creating dual-income potential from a single asset. All staked assets remain held within Sygnum’s institutional-grade custody environment.

*Subject to additional documentation. For more information, please contact Sygnum. 

Learn More

Crypto market overview

Stay informed with real-time market data across major digital assets. This overview helps you monitor portfolio movements and assess collateral coverage as part of your lending setup. 

Name Price 24h % 7d %
Bitcoin
Bitcoin
$0 Arrow Icon 2.71% Arrow Icon 2.71%
ETH
Ethereum
$0 Arrow Icon 2.71% Arrow Icon 2.71%
USDC
USD Coin
$0 Arrow Icon 2.71% Arrow Icon 2.71%
XRP
XRP
$0 Arrow Icon 2.71% Arrow Icon 2.71%
Cardano
Cardano
$0 Arrow Icon 2.71% Arrow Icon 2.71%
BCH
Bitcoin Cash
$0 Arrow Icon 2.71% Arrow Icon 2.71%
LTC
Litecoin
$0 Arrow Icon 2.71% Arrow Icon 2.71%
XTZ
Tezos
$0 Arrow Icon 2.71% Arrow Icon 2.71%
MATIC
Polygon
$0 Arrow Icon 2.71% Arrow Icon 2.71%
MKR
Maker
$0 Arrow Icon 2.71% Arrow Icon 2.71%
LINK
Chainlink
$0 Arrow Icon 2.71% Arrow Icon 2.71%
Cosmos Hub
$0 Arrow Icon 2.71% Arrow Icon 2.71%
Polkadot
$0 Arrow Icon 2.71% Arrow Icon 2.71%
AAVE
Aave
$0 Arrow Icon 2.71% Arrow Icon 2.71%
Avalanche
$0 Arrow Icon 2.71% Arrow Icon 2.71%
COMP
Compound
$0 Arrow Icon 2.71% Arrow Icon 2.71%
NEAR Protocol
$0 Arrow Icon 2.71% Arrow Icon 2.71%
UNI
Uniswap
$0 Arrow Icon 2.71% Arrow Icon 2.71%
Solana
$0 Arrow Icon 2.71% Arrow Icon 2.71%
SNX
Synthetix
$0 Arrow Icon 2.71% Arrow Icon 2.71%
CRV
Curve
$0 Arrow Icon 2.71% Arrow Icon 2.71%
DCHF
Digital Swiss Franc
$0 Arrow Icon 2.71% Arrow Icon 2.71%
Become a client All market prices

How Sygnum supports your lending needs

The following features ensure your credit line is simple to manage and aligned with institutional standards: 

Regulated lending under Sygnum’s Swiss banking licence

Collateral protection through off-balance sheet, segregated custody

No rehypothecation

Broad collateral coverage with more than 20 eligible cryptocurrencies

Continuous risk and collateral monitoring

Flexible drawdown through overdraft-style lending facility

Interest charged only on daily utilised balances

Direct fiat funding in CHF, EUR and USD

Full platform integration with custody, trading and staking

Standardised or tailor-made credit structures

Attractive loan-to-value (LTV) rates (65 percent LTV on Bitcoin)

Enhance your digital asset strategy

Lending

Fiat funds are provided without selling digital assets, with collateral remaining client-owned, held off-balance sheet, bankruptcy-remote, and not rehypothecated.

Learn more
Sygnum trading candlestick

Trading

Benefit from 24/7 access, deep liquidity, competitive pricing and execution supported by defined operational and risk controls.

Learn more

Staking

Staking with Sygnum allows you to participate in Proof-of-Stake networks. Your assets remain held in Sygnum’s regulated custody environment while possible rewards are credited directly to your account.

Learn more

Lending FAQs

How do I apply for the credit line?  

If you are a Sygnum client, please contact your Relationship Manager or our team here.

Most client loan applications can be assessed in the same business day.

What happens to assets once clients pledge them as collateral?  

Assets will be locked and unable to be transferred out, but will remain secure in the client’s Sygnum custody account. If the assets gain in value and the client becomes “over-collateralised”, the assets exceeding the collateralisation level become available for further trading and transferring out. This is an automatic process and is updated in real-time according to market prices. 

Which assets can be used as collateral?

We accept the following tokens as collateral: 

Solana and Polkadot tokens will be added soon to our platform.

Please click here for an overview of the digital assets we offer for custody, staking, trading and lending. Further tokens are available on request.

Who is eligible to obtain a credit line with Sygnum?

All private qualified and institutional Sygnum clients are eligible for a credit line using crypto assets as collateral.  

See full FAQs

Local restrictions – Provision of cross-border services

It looks like you are using a computer with an IP address located outside of Switzerland. If you are located in Switzerland, please click “Continue” to access the Sygnum Bank AG (Sygnum) website. If you are not located in Switzerland, please read below.

 

This website and the information contained herein are addressed solely to persons residing or domiciled in Switzerland.

Sygnum is a regulated bank supervised by the Swiss Market Financial Authority (FINMA). The products and services on this website are authorised in Switzerland. Sygnum cannot promote its products and services in other countries where it is not authorised by the supervisory authority of that country to do so.

If you click on “Continue” to visit this website, you confirm that you have read and understood the above and you are visiting this website on your own initiative without any active promotion or solicitation from Sygnum.

 

If you want to visit the Sygnum Europe Website, please visit sygnum.com/eu.
If you want to visit the Sygnum Singapore Website, please visit sygnum.com/sg.
If you want to visit the Sygnum UAE Website, please visit sygnum.com/uae.

RETURN CONTINUE

Investor qualification

The following content is available to qualified investors. Please confirm your details below to visit this page, or please see our other digital asset updates here.

Qualified investor - As defined in Art. 10 (3) ff. of the Swiss Collective Investment Schemes Act. In particular, natural persons who have the knowledge required to comprehend the risks of the investments based on their individual education and professional experience or based on comparable experience in the financial sector and hold liquid assets of at least CHF 500,000.

A US Person is defined as (a) an individual who is a citizen or resident of the United States for federal income tax purposes; (b) a corporation, partnership or other entity created or organised under the laws of or existing in the United States; (c) an estate or trust the income of which is subject to United States federal income taxes regardless of whether such income is effectively connected with a United States trade or business.

Disclaimer:

The information in this publication pertaining to Sygnum Bank AG (“Sygnum”) is for general information purposes only, as per date of publication, and should not be considered exhaustive. This publication does not consider the financial situation of any natural or legal person, nor does it provide any tax, legal or investment advice. This publication does not constitute any advice or recommendation, an offer or invitation by or on behalf of Sygnum to purchase or sell any assets. No elements of precontractual or contractual relationship are intended. While the information is believed to be from accurate and reliable sources, Sygnum makes no representation or warranties, expressed or implied, as to the accuracy of the information. Sygnum expressly disclaims any and all liability that may be based on such information, omissions, or errors thereof. Any statements contained in this publication attributed to a third party represent Sygnum‘s interpretation of the data, information and/or opinions provided by that third party either publicly or through a subscription service, and such use and interpretation have not been reviewed by the third party. Sygnum reserves the right to amend or replace the information, in part or entirely, at any time, and without any obligation to notify the recipient of such amendment / replacement or to provide the recipient with access to the information. Simultaneously, there is no obligation of Sygnum to inform recipients of information, if before provided information later becomes outdated, inaccurate or obsolete, unless otherwise provided by applicable law. The information provided is not intended for use by or distributed to any individual or legal entity in any jurisdiction or country where such distribution, publication or use would be contrary to the law or regulatory provisions or in which Sygnum does not hold the necessary registration, approval authorization or license. Except as otherwise provided by Sygnum, it is not allowed to modify, copy, distribute or reproduce, display, license, or otherwise use any content for commercial purposes.

Mandatory fields

Security alert

Stay alert to fraudulent communications. Sygnum will never post messages on social media or private messaging applications regarding Sygnum banking access or logins. If you have concerns, contact us.

Close