Private Clients
Bitcoin-Backed Lombard Loans at a Swiss Private Bank
Borrow against your Bitcoin at a FINMA-regulated private bank that holds your BTC on its own books segregated, visible on-chain, with a human liquidation process rather than an oracle.
The Bitcoin is held in custody at the bank itself
The Bitcoin is held in custody at the bank itself not a third-party custodian, not an SPV wrapper, not a pooled omnibus at a crypto-native sub-custodian. The same institution lending you fiat holds your Bitcoin on its own books.
The bank is FINMA-regulated and has operated since the early 1930s. The Bitcoin is segregated, visible on-chain and in your bank account, and protected under Swiss banking law.
The loan is a standard Lombard facility the same product Swiss private banks have offered against equities, fixed income, and other liquid assets for over a century. The collateral happens to be Bitcoin; the structure is mature.
Who This Is Actually For
Not most people. Minimums are high the conversation starts at seven figures in Bitcoin. The credit line itself is straightforward; onboarding is the hard part. Source of Wealth, Source of Funds, and blockchain forensics on anything with DeFi, mining, or pre-2017 activity are where most holders get rejected when they approach a Swiss private bank directly.
These relationships are built through introductions someone regulated, audited, and reputationally exposed vouches for you. That is our role: we prepare the file, introduce the case, and stay engaged through loan structuring.
If you're borrowing twenty thousand for a short-term expense, Aave and Nexo are fine. If you're an early holder sitting on eight or nine figures of Bitcoin, the private-bank Lombard loan is a structurally different product with materially less risk.
Common Use Cases
Real estate purchases
Liquidity without selling Bitcoin into a tax event.
Business investment
Capital deployed without liquidating long-term holdings.
Diversification with retained exposure
Fund a traditional portfolio while keeping the Bitcoin position intact.
Tax deferral
Access liquidity where loan proceeds aren't a taxable event but a sale would be.
Lifestyle & bridge financing
Short-term needs without disturbing the underlying asset.
In every case the same logic applies the holder believes Bitcoin will be worth more later and won't sell now. Borrowing preserves the upside; the Lombard structure preserves the holder's grip on the asset.
How to Move Forward
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01
Confidential Compliance Review
Feasibility for both the account and the loan facility.
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02
KYC/AML file preparation
The full report, prepared and defended. See our KYC/AML reporting service.
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03
Bank introduction & account onboarding
Introduction to a FINMA-regulated private bank that accepts crypto-origin wealth. See crypto-friendly private banking.
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04
Lombard structuring
Once the account is open, LTV, currency, rate, and tenor are set with the bank's lending team.
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05
Drawdown
Funds available in the chosen currency, drawable within the agreed facility size.