Market position
Private crypto-asset holders converting into real estate and traditional assets. A regulated credit line or Lombard loan against BTC, ETH or SOL, paid out in bank fiat or stablecoin, so the client can buy property or other off-chain assets. chainscore.net screens the address, assists the compliance pack, and introduces the house — Sygnum Bank, AMINA Bank (formerly SEBA), Arab Bank Switzerland, Mt Pelerin, Arch Lending, Ledn, and Unchained. We are not the bank and we do not underwrite the loan.
Not a consumer cash advance. The desks below underwrite UHNW and family-office names who want fiat or stablecoin without selling the stack.
What we sell
Wallet health
Live KYA / hop / cross-chain screens the lender will ask for first.
Compliance assistance
Guided SoW chronology, identity/BO pack and stated-CDD compare — so a provider's service department can file, and a third-party eligibility or insurance desk can process the same pack.
Lender products
Match fiat-wire banks vs stablecoin platforms vs bitcoin-native vaults, then introduce the house.
How a file moves
Do not send a whale to a Lombard desk with an empty pack. We run the chain half, walk the documents, then push the matching lender product.
Step 1 · chainscore.net
Screen the public deposit address before anyone opens a Sygnum or Arch file. ScoreGuard for the compliance report; Holistix when every chain has to land in one call; ChainTrace when hops matter. Mixer, OFAC and unlabelled value stay on the page.
Step 2 · chainscore.net
We run the client through the pack Swiss banks and US platforms actually ask for: how the crypto was acquired, who the natural persons are, proof of address. Ticks and uploads are required so the provider can file inside its own service departments, and so a third-party eligibility or insurance desk — where the house or client already uses one — can process that file. chainscore.net does not certify those firms and does not process eligibility. The house still verifies the documents.
Step 3 · chainscore.net
Fiat IBAN (Sygnum, AMINA, Arab Bank Switzerland, Mt Pelerin) versus faster stablecoin payout (Arch, Ledn) versus bitcoin-native multi-sig (Unchained). We match the rail and introduce the product. LTV and minima stay the house's published terms. We do not underwrite the loan.
Honest limits
Assistance means a complete pack: chronology, identity fields, beneficial ownership, proof of address. Verified by chainscore.net still only means the address is in the label book. A passport check is the lender's.
A mixer, OFAC hit or unlabelled majority is a finding we put in the file. We do not route funds through an intermediary wallet to hide that history.
LTV, APR and minimums are the house's product, quoted from the CASP directory row. chainscore.net matches the rail and opens the introduction. Confirm terms with the lender.
ScoreGuard, ChainTrace and Holistix keep separate scales. The lender pack attaches the reports; it does not average them.
Products we introduce
chainscore.net screens, assists the compliance pack, and introduces lender products. LTV, APR and minimums are quoted from data/crypto_asset_service_providers.csv and remain the house's. Terms change; confirm with the lender. Not an offer of credit.
Swiss FINMA banking and bank-arranged credit
UHNW clients who need USD, EUR or CHF on a traditional wire for real estate or other off-chain assets.
CHF / EUR / USD / SGD · BTC, ETH, SOL and 20+ others
Crypto-backed credit lines and overdrafts in CHF, EUR, USD and SGD against BTC, ETH, SOL (including staked SOL for eligible clients), POL, XRP and 20+ other tokens held in Sygnum custody.
Lombard Lending: Crypto-backed credit lines and overdrafts in CHF, EUR, USD and SGD against BTC, ETH, SOL (including staked SOL for eligible clients), POL, XRP and 20+ other tokens held in Sygnum custody.; Multi-signature Lending: MultiSYG, announced with Debifi on 24 Oct 2025 for launch in H1 2026 — fiat loans against Bitcoin held in a 3-of-5 multi-signature escrow (borrower, Sygnum and independent signers) so the client keeps shared on-chain control rather than full bank custody.
Crypto-backed credit lines and overdrafts in CHF, EUR, USD and SGD against BTC, ETH, SOL (including staked SOL for eligible clients), POL, XRP and 20+ other tokens held in Sygnum custody. Assets stay in the client custody account and lock automatically to the collateralisation level. Same-day assessment for existing clients.
Authorised in Switzerland (FINMA banking and securities-dealer licence). Sygnum also operates licensed hubs in Singapore (MAS CMS), Luxembourg and UAE ADGM (FSRA). The lending pages state products on sygnum.com are authorised in Switzerland and cannot be promoted where Sygnum is not locally authorised. US persons and sanctioned-country persons are not onboarded.
Multi-signature Lending is announced, not a live booking product — confirm availability with the house.
Major fiat and selected cryptocurrencies · BTC, ETH, SOL, XRP, USDC, USDT and others
Fixed-term and roll-over loans, plus overdrafts, secured against crypto (BTC, ETH, SOL, XRP, LTC, ADA, BCH, DOT, USDC, USDT and others, including some staked coins on enquiry) or traditional assets (stocks, ETFs, funds, bonds).
Crypto Credit Lines: Fixed-term and roll-over loans, plus overdrafts, secured against crypto (BTC, ETH, SOL, XRP, LTC, ADA, BCH, DOT, USDC, USDT and others, including some staked coins on enquiry) or traditional assets (stocks, ETFs, funds, bonds).
Fixed-term and roll-over loans, plus overdrafts, secured against crypto (BTC, ETH, SOL, XRP, LTC, ADA, BCH, DOT, USDC, USDT and others, including some staked coins on enquiry) or traditional assets (stocks, ETFs, funds, bonds). Payout in major fiat and selected cryptocurrencies. Minimum loan and overdraft CHF 200,000 or equivalent. Credit cards are issued by Viseca, not AMINA itself.
Swiss FINMA banking and securities-dealer licence (2019, then SEBA). ADGM branch: FSRA Financial Services Permission (Feb 2022) to advise on / arrange credit and custody for Professional Clients. Hong Kong: AMINA (Hong Kong) Limited SFC Types 1, 4 and 9; Type 1 digital-asset dealing uplift for Professional Investors (Oct 2025). EU: AMINA (Austria) AG MiCA CASP licence from Austria's FMA (Oct 2025) for custody, exchange, transfer and portfolio management. AMINA states products on aminagroup.com are licensed in Switzerland and are not registered outside Switzerland unless a local hub applies. UK visitors are steered to a UK-specific site.
Private-bank fiat · BTC or ETH
Fiat liquidity against Bitcoin or Ethereum held in the client's segregated, off-balance-sheet custody account.
Crypto-Backed Loans: Fiat liquidity against Bitcoin or Ethereum held in the client's segregated, off-balance-sheet custody account.
Fiat liquidity against Bitcoin or Ethereum held in the client's segregated, off-balance-sheet custody account. Published loan-to-value up to 40%. The bank describes the use case as real-estate acquisition or portfolio diversification inside a FINMA private-banking relationship — structured Lombard credit, not a crypto-native cash-advance desk.
Switzerland: Arab Bank (Switzerland) Ltd., FINMA banking and securities-business licence, Geneva head office (Place de Longemalle 10-12) and Zurich branch (Uraniastrasse 14). Digital-asset lending is a Swiss private-banking product. The group has an in-principle ADGM advisory licence (not a live lending booking centre) and a Lebanon banking subsidiary that is not this crypto-loan book. Pages on arabbank.ch are not an offer in every jurisdiction — confirm nationality and residence with the bank before applying.
USD / EUR / CHF · Native BTC or ETH
SO-FIT affiliated arranger (not a FINMA bank, not a MiCA CASP).
Crypto Lombard Loans: SO-FIT affiliated arranger (not a FINMA bank, not a MiCA CASP).
SO-FIT affiliated arranger (not a FINMA bank, not a MiCA CASP). Fiat loans in USD, EUR or CHF against native Bitcoin or Ether, arranged with partner Swiss banks. Published terms: minimum loan $200,000; LTV up to 20% (example: $1m loan requires $5m of BTC/ETH); base fee 3% plus the currency interest rate; flexible duration. Collateral sits in segregated wallets at the partner Swiss bank.
Arranged in Switzerland. Mt Pelerin Group Ltd (CHE-188.552.084, Neuchâtel) is affiliated with SO-FIT as a financial intermediary under AMLA art. 2 para. 3; SO-FIT is a FINMA-recognised SRO. It does not hold a Swiss banking licence and is not a MiCA Crypto-Asset Service Provider. Official lombard page: not available to US or Russian persons; not to residents of Afghanistan, Angola, Bangladesh, Belarus, Burkina Faso, Burundi, Central African Republic, Cuba, DRC, Guinea, Guinea-Bissau, Haiti, Indonesia, Iran, Iraq, Lebanon, Libya, Mainland China (Hong Kong and Taiwan accepted), Mali, Myanmar, Nicaragua, Niger, North Korea, Russia, Somalia, Sudan, South Sudan, Syria, Trinidad and Tobago, Venezuela, Yemen or Zimbabwe. Brokerage services are not marketed to EU or UK residents except reverse solicitation.
US / global platforms, not a Swiss bank licence
Faster execution, higher published LTV, or stablecoin collateral and payout without a correspondent wire.
USD, USDC, wire or ACH · BTC, ETH, SOL, XRP
USD, USDC (wallet), wire or ACH loans against BTC, ETH, SOL and XRP.
Secured Crypto Loans: USD, USDC (wallet), wire or ACH loans against BTC, ETH, SOL and XRP.
USD, USDC (wallet), wire or ACH loans against BTC, ETH, SOL and XRP. Collateral held in segregated cold storage at Anchorage Digital (OCC-chartered national trust bank) with published no-rehypothecation and Lloyd's of London insurance through Anchorage. Starting LTV published as BTC 60% / ETH 55% / SOL and XRP 45%, with margin-call and partial-liquidation levels above that. Terms 1–12 months; published Bitcoin-backed rates from about 7% depending on size. Default minimum about $5,000 (varies by collateral and state). No credit check.
ChainFi, Inc. dba Arch Lending, NMLS #2637200, 595 Broadway, New York. Individuals: 44 US states/territories (AK AL AR AZ CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO NC NE NH NJ NM NY OH OK OR PA PR SC SD TN TX UT VA WA WI WV WY); California not currently supported. Businesses/trusts: a similar 44-jurisdiction list (includes DE, MS, NV; excludes CA). International entities supported where permitted — ask Arch. Not a bank.
USD, local fiat or stablecoin · BTC (ETH-backed loans exist, not renewable)
USD, local-fiat or stablecoin loans typically issued at 50% LTV against Bitcoin collateral (ETH-backed loans exist but are not eligible for renewal).
Bitcoin-Backed Loans: USD, local-fiat or stablecoin loans typically issued at 50% LTV against Bitcoin collateral (ETH-backed loans exist but are not eligible for renewal).
USD, local-fiat or stablecoin loans typically issued at 50% LTV against Bitcoin collateral (ETH-backed loans exist but are not eligible for renewal). Published APR tiers from about 11.4% below $250,000 to about 9.2% at $2,000,000+ (platform terms govern). 2% administration fee at origination, waived for clients in Canada and the United States. Collateral is custodied and not re-lent; Ledn publishes regular third-party proof-of-reserve attestations. Identity verification applies; no traditional credit check.
Ledn Cayman SEZC Inc. is regulated as a VASP by the Cayman Islands Monetary Authority (CIMA) for lending products other than Growth accounts. Dollar loans are offered globally but blocked in listed jurisdictions. US states currently unsupported: California, Connecticut, Hawaii, Nevada, North Dakota, South Dakota, Tennessee, Washington, and Washington D.C. Canadian provinces currently unsupported: New Brunswick, Nova Scotia, Saskatchewan, Quebec. Some eligible locations require a minimum principal or confirmation of commercial purpose. Check Ledn's eligibility page before applying.
USD (bitcoin-native vault) · BTC
Commercial bitcoin-backed loans with a published $150,000 minimum and 12-payment interest-only terms.
Bitcoin-Native Lending: Commercial bitcoin-backed loans with a published $150,000 minimum and 12-payment interest-only terms.
Commercial bitcoin-backed loans with a published $150,000 minimum and 12-payment interest-only terms. Collateral sits in a 2-of-3 multi-signature address (borrower, Unchained, independent key agent) inside the UC Secured Assets Trust; Unchained does not rehypothecate loan bitcoin and the borrower can verify the UTXO on a hardware wallet. Bitcoin only — no other collateral. Origination fees are deducted from principal. Unchained is not a bank; loans originated by Unchained Capital, Inc. (NMLS 1900773) or B&C Lending LLC (NMLS 2656661), serviced by Bitcoin Collateral Services LLC (NMLS 2423070).
US business entities only (US address required; no international accounts). Not originated to individuals or sole proprietorships; LLCs and corporations with a stated business/investment purpose are eligible, including single-member LLCs. Commercial loans not available in Louisiana, Montana, Nevada, New Mexico, New York, North Dakota, South Dakota, or Puerto Rico. Vermont only above $1,000,000. California commercial loans may be made under DFPI Financing Law Licence No. 60DBO-78867. Availability is stated as subject to change.
Assistance pack
Ticks and uploads are not a chainscore.net score. They are the file a provider's own service departments need to open an internal case, and the file a third-party eligibility or insurance desk works from when the house or the client already uses one. The workspace turns that into a live checklist with ticks and uploads.
Stage 1 · screen
Screen the address that will be disclosed to the lender. Live indexer data only — a fallback report does not count.
Stage 1 · review
Open the owned report. A hard designation still stands. Coverage is how much of the traced value was named.
Stage 2 · assist
Walk the client through a chronological acquisition file. chainscore.net holds the checklist and can compare a stated profile to the chain. The bank still reads the receipts.
Stage 2 · assist
Collect the natural-person pack FINMA and US platforms demand. We do not run liveness or PEP screening ourselves.
Stage 3 · lender
Match fiat wire, USD/USDC, or bitcoin-native vault, then request assistance. chainscore.net introduces; the house underwrites.