vadium Arch Point Capital · Wyoming

vadium.

/ˈwa.di.um/ Latin · noun · law

  1. 1. A pledge; property delivered to a lender as security for a debt, and returned intact when the debt is repaid. Classical and medieval legal usage.
  2. 2. Fixed-term commercial credit for businesses that hold bitcoin and select digital assets and would rather borrow against them than sell them. Arch Point Capital, present usage.
Request terms How it works
50% Bitcoin LTV at origination
2× Bitcoin cover, on‑chain
0 Rehypothe­cation, ever
2 days Confirmed collateral to wire
I

How it works

  1. 1.

    Pledge

    The company posts bitcoin worth at least twice the loan to a dedicated collateral address. The collateral requirement is set in dollars at a price quoted and locked at funding. The address is theirs to verify. Coins are never lent out, and never moved for any other purpose.

  2. 2.

    Fund

    Dollars are wired to the business account, typically within two business days of the collateral confirming.

  3. 3.

    Repay

    Interest accrues daily. Repay at maturity or any day before. Collateral is released the day the wire clears.

II

What happens if collateral falls

Loan-to-value rises as collateral falls. These three marks apply to bitcoin; other assets have thresholds set in the note.

Bitcoin loan-to-value thresholds Scale from 40% to 90% LTV. Origination at 50%, notice at 70%, liquidation at 80%. 50% 70% 80% Origination Notice Liquidation 40% LTV 90%
50% — Origination
Where a bitcoin loan begins. Two dollars of bitcoin for each dollar lent.
70% — Notice
A defined window to add collateral or pay down the balance.
80% — Liquidation
Only enough is sold to restore the target. The remainder is returned.

Every threshold is written into the note; nothing is discretionary.

III

Terms

Indicative. Final terms are set per loan and stated in the note.
BorrowerLLCs, corporations, partnerships; business purpose only
Loan sizeFrom $1,000
Term90 to 365 days, fixed
Loan-to-value50% at origination for bitcoin; other assets per the schedule below
Rate16% APR for bitcoin, accrued daily; other assets quoted per loan
Origination$150 or 2% of the loan, whichever is greater
Early repaymentAny day, no penalty; 60 days of interest is the minimum owed
CollateralDigital assets per the schedule below; dedicated, verifiable custody; never rehypothecated, never staked
RepaymentInterest and principal at maturity, or earlier by wire
IV

Collateral schedule

Indicative. Advance rates and pricing are set per loan and stated in the note.
Bitcoin BTC 50% LTV · 16% APR
Ether ETH 40% LTV · spot only, unstaked · rate quoted
Other large-caps 25–30% LTV · quoted individually
Privacy-preserving assets Considered case-by-case by private quote; funded from our own capital; source-of-funds attestation required

We lend against what you actually hold. Assets requiring an individual quote — including privacy-preserving assets — are quoted privately, over the counter: email us. We do not accept stablecoins or any asset a third party can freeze.

Work out a loan

Illustrative arithmetic on the figures you enter. Nothing is sent anywhere, and this is not an offer of terms.

V

Who this is for

For borrowers

  • Inventory, payroll, a bridge on a deal.
  • Loans to entities with a stated business purpose.
  • No individuals, no yield, no trading, no cards.

For capital partners

  • Vadium originates and services.
  • Paper available under participation agreements.
  • Collateral verifiable on-chain, daily.
  • Liquidation in hours, not months.
  • Fixed coupon, short duration, no rehypothecation.
VI

Request terms

Send a line about your company, the amount, and the term you have in mind. A person replies, usually within a business day. No forms, no accounts, nothing stored until there is a loan to store.

terms@vadium.capital
V PIGNVS