Fees & terms

Loan terms

Parameter	Value
Loan size	5,000 – 100,000 (in loan currency)
Duration	3 – 24 months, fixed interest rate
Loan currencies	CHF and USD via IBAN. We’re working on EUR, GBP, and EURe.
Collateral assets	WETH, wstETH, WBTC, cbBTC
Initial LTV	~56% (ETH-based) / ~60% (BTC-based) — set by Anvil
Liquidation threshold	~66% (ETH-based) / ~71% (BTC-based) — set by Anvil

Collateral ratios are protocol parameters set by Anvil governance, not by Helva. See Collateral, LTV & liquidation.

Settlement speed

Rail	Typical time	Status
IBAN (Swiss bank transfer)	1–2 days	Live at launch
EURe (Gnosis Chain)	Minutes	We’re working on it

Fees

Placeholder — to be finalized

Fee figures are being finalized and must be reconciled with platform copy before this page quotes hard numbers. Do not treat the items below as final pricing.

• Brokerage fee: a percentage of principal (structure being finalized).
• Forced-liquidation fee: a percentage of the converted amount (to be set).
• Repay-with-collateral conversion: a fee when Helva manually triggers conversion.
• Early cancellation: a small service fee may apply when a Letter of Credit is cancelled early.

Interest

Interest is fixed for the loan term and suggested automatically based on duration. On early termination, the lender receives pro-rata accrued interest subject to a 3-month minimum (see Repaying your loan).