Put your stablecoins to work at 15% APY
Lend your stablecoins to verified borrowers who lock up at least twice the loan value in Bitcoin or Ethereum as collateral. You earn interest every month, with no price exposure on your principal.
- Min. 200% crypto collateral
- Monthly interest payouts
- USDC, USDT & EURC

- Monthly interest
- €313
- After 12 months
- +€3,750
Indicative calculation based on 15% APY. Past performance is no guarantee of future results.
How it works
Three steps to yield on your stablecoins
- Step 1
Deposit stablecoins
Open an account, complete verification and deposit USDC, USDT or EURC. Starting from €1,000.
- Step 2
Borrowers lock collateral
Your stablecoins are only lent to parties who lock up at least 200% of the loan value in BTC or ETH.
- Step 3
Earn 15% APY
The interest paid by borrowers is credited to your account in stablecoins every month.

Collateral
Every loan is double-backed by crypto
Borrowers want liquidity without selling their Bitcoin or Ethereum. So they lock up their crypto and borrow your stablecoins. If the collateral value drops, we step in automatically.
- Maximum loan-to-value of 50%: every €1 borrowed is backed by at least €2 in crypto.
- Automatic margin calls and liquidation as soon as LTV exceeds 75%.
- Collateral is held by regulated custodians in segregated cold storage.
- Borrowers are screened upfront (KYC/KYB) and monitored continuously.
Stablecoins
The yield of crypto, the stability of the euro and dollar
Stablecoins don't move with the price of Bitcoin. Your deposit holds its value while you earn interest.

- USDCUSD CoinPegged to the US dollar15%
- USDTTetherPegged to the US dollar15%
- EURCEuro CoinPegged to the euro15%
Annual yield compared
- Average savings account1.5%
- 10-year government bond3%
- VeltrinBanc stablecoin lending15%
Comparison is indicative. Bank savings are protected up to €100,000 by deposit guarantee schemes; crypto lending is not.
How can VeltrinBanc offer 15% APY?
Borrowers pay interest to access liquidity without selling their Bitcoin or Ethereum. That interest, minus our fee, goes to you as the lender.
What happens if the price of Bitcoin drops?
Loans start at a maximum LTV of 50%. If the LTV rises due to a price drop, the borrower receives a margin call. At 75% LTV the collateral is automatically (partially) sold to repay the loan.
When do I receive my interest?
Interest accrues daily and is credited to your account every month in the same stablecoin you deposited.
What is the minimum deposit and term?
You can start from €1,000 in stablecoins and choose a term of 6, 12 or 24 months.
Is my deposit guaranteed?
No. Crypto lending is not covered by deposit guarantee schemes. Despite over-collateralization, risks remain, such as extreme market movements, counterparty risk and risks related to the stablecoin itself.
Ready to put your stablecoins to work?
Apply for your account. Our team will contact you within 1 business day to complete verification.