Overview & advantages (lenders)
Secured lending, Swiss contracts, your bank account.
Lend fiat and earn fixed yield, secured by liquid crypto collateral at conservative ratios. You don’t need any crypto setup — sign the agreement and fund from your bank.
At launch, loans are in CHF and USD (IBAN). We’re working on EUR, EURe, and GBP.
Why lend with Helva
Section titled “Why lend with Helva”| What you face elsewhere | What Helva does |
|---|---|
| DeFi yields are attractive but too risky and complex for fiat lenders | No crypto setup: sign the agreement, fund from your bank, receive principal + interest |
| In TradFi, more security usually means less yield | Loans secured by the most liquid crypto assets at conservative ratios — security and competitive yield |
| Sending fiat directly to a borrower feels uncomfortable | Helva clears the funds through its bank account; you deal with a Swiss counterparty that is a member of a FINMA-recognised SRO |
How your position is protected
Section titled “How your position is protected”- Over-collateralization with WETH, wstETH, WBTC, cbBTC only — deeply liquid, battle-tested assets.
- Conservative loan-to-value ratios enforced by the Anvil protocol.
- 24/7 monitoring and liquidation — unhealthy positions are converted to make you whole.
- A guarantee from Helva, backed by a first-loss reserve.
What you can earn
Section titled “What you can earn”Yields are targeted between TradFi instruments and CeFi crypto-lending rates — competitive yield for over-collateralized, secured credit. Terms are fixed (3–24 months).