Overview & advantages (borrowers)
Borrow fiat against your crypto, receive it in your bank account, and keep full control of your collateral the whole time.
Why borrow with Helva
Section titled “Why borrow with Helva”| What you face elsewhere | What Helva does |
|---|---|
| Off-ramping crypto to fiat is slow and complicates everything | You collateralize on-chain and receive funds straight to your bank account |
| Funds arriving from crypto lending get flagged in bank compliance | The process is designed to make compliance simple — transfers clear as standard Swiss bank payments |
| Custodial lenders require you to hand over your collateral | You manage collateral in a self-custodial vault and reserve it for the loan |
| Pledged collateral sits idle and earns nothing | If you use wstETH as collateral, it accrues yield that pays part of your interest |
| In DeFi you must watch your position constantly | Helva monitors and notifies you, with customizable margin-call levels |
| Many platforms convert your entire collateral to repay anything | Only what you owe is converted; unused collateral returns to you in-kind |
What you can borrow
Section titled “What you can borrow”| Parameter | Range |
|---|---|
| Loan size | 5,000 – 100,000 (in your loan currency) |
| Duration | 3 – 24 months, fixed rate |
| Currencies | CHF and USD via IBAN. We’re working on EUR, GBP, and EURe. |
| Collateral assets | WETH, wstETH, WBTC, cbBTC |
Collateral ratios are set conservatively by the Anvil protocol. See Collateral, LTV & liquidation for how much collateral you’ll need.