Vield launches Lending-as-a-Service platform for Bitcoin-backed loans

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The Australian lender wants banks, fintechs and exchanges to offer Bitcoin-backed loans under their own brands without building the plumbing

Mon 9 Nov 2026 · 15:32 EST · 3 min read

In Crypto

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Vield, an Australian-regulated lender, has launched a Lending-as-a-Service platform. It lets financial firms offer Bitcoin-backed loans under their own brand names.

The pitch is simple. Plenty of companies want to offer crypto lending, but far fewer want to build the credit, compliance, custody and loan servicing systems behind it.

What Vield is actually selling

The platform officially went live on November 10, 2026. It targets financial institutions, fintech companies, exchanges and digital asset platforms.

Partners can plug in four ways:

• Referral: the partner sends customers to Vield.

• White-label: the loan product carries the partner’s branding.

• Hybrid: a mix of the two.

• Full API: the partner wires Vield’s lending directly into its own systems.

The loan terms

The core product is a white-labeled Bitcoin-backed loan denominated in Australian dollars. It carries a fixed interest rate of 13% per annum.

Terms run up to 12 months. The maximum loan-to-value ratio, which Vield calls LVR, is 50%.

The minimum loan size is $2,000. Clients also pay a 2% origination fee.

The track record

Vield was established in 2022. Research findings point to operations beginning in either 2022 or 2023, depending on the source.

Since then, Vield has facilitated more than $50 million in approved loans. It reports a zero-default rate over that period.

The company says it has served more than 1,000 clients. It also reports zero capital losses through a full market cycle.

Where the money and the Bitcoin sit

Vield funds its loans through private credit, not decentralized finance mechanisms. Put simply, the cash comes from conventional lenders and investors rather than automated on-chain lending pools.

All client collateral is held in segregated, insured cold storage with Zodia Custody Australia.

The regulatory paperwork

Vield operates under Australian Credit Licence 526970. It is also registered with AUSTRAC, Australia’s financial intelligence and anti-money laundering regulator.

In October 2025, Vield secured a Private Binding Ruling from the Australian Taxation Office. The ruling states that pledging Bitcoin as collateral does not trigger a capital gains tax disposal event.

Why the infrastructure model matters

Behind the scenes, a lender needs credit assessment, licensing, anti-money laundering checks, custody arrangements, collateral monitoring and loan servicing. Vield’s bet is that many firms would rather rent that stack than build it.

The model also changes who Vield competes with. Instead of fighting every exchange for retail borrowers, it can try to become the lending supplier behind those exchanges.

What this means for the market

The risks are worth naming. A zero-default record over a few years is strong, but white-labeling spreads one lender’s credit and custody setup across many brands. If anything in that shared stack breaks, it breaks for every partner at once.

The other question is collateral volatility. A 50% LVR provides a cushion, but Bitcoin has a long history of sharp moves.

For the Australian market specifically, the combination of a credit licence, AUSTRAC registration and an ATO tax ruling gives Vield a regulatory head start.

Disclosure: This article was edited by John Chen. For more information on how we create and review content, see our Editorial Policy.