Our pricing, no surprises
The rates and fees actually applied by the platform, fixed at the moment your collateral is locked in.
Credit ratio
Of the amount pledged, at the rate in effect at the time of lock-in.
Annual interest rate
Reference rate (SOFR/EURIBOR) + an 8.5-point risk premium, on the credit used.
Origination fee
Charged once, on the credit issued, at the time the collateral is locked in.
Collateral custody fee
On the amount of locked collateral, for as long as the position remains active.
Position duration
Renewable; the collateral stays locked as long as the used credit is not repaid.
Automatic repayment
Through the real appreciation of the collateral (gold, silver, ETH, industrial metals). The remaining 40% is repaid through personal contribution.
Collateral liquidation thresholds
Depreciation from the entry value: 30% triggers an alert, 50% liquidates the collateral (the credit already used remains due). Details on the Yield page.
A later change to any of these rates only applies to new lock-ins: a position already opened keeps the rate structure applied to it at creation, until it's repaid or matures.
The full contractual detail of this pricing is in our terms and conditions.
Example total cost over 12 months
For a deposit of $2,000 ($7,000 of credit granted), fully used for 12 months then repaid, the most conservative scenario (with no reduction from yield).
| Item | Calculation | Amount |
|---|---|---|
| Origination fee | 2.0% × $7,000, charged once | 140 $ |
| Interest over 12 months | 13.5% × $7,000 used the full year | 945 $ |
| Total before yield | Excluding any possible reduction from collateral appreciation | 1 085 $ |
Collateral custody fees (0.5%/year) are shown and fixed at lock-in, but their automatic periodic collection is not yet in service at this stage; they are therefore not included in this total. If your collateral generates yield (gold, silver, ETH, industrial metals), part of this $1,085 may be automatically covered, within the limit of 60% of the credit used (see Yield).
Direct investment
A placement distinct from credit: several baskets to choose from, a daily return that can be negative.
RWA strategy
The same treasury strategy as the bank's own, on tokenized industrial metals and commodities.
Stock basket
Indicative dividend + the movement of 5 listed stocks (Apple, Microsoft, Johnson & Johnson, Procter & Gamble, Coca-Cola).
Conservative basket
Indicative dividend + the movement of 4 listed stocks (Coca-Cola, Johnson & Johnson, Procter & Gamble, Berkshire Hathaway).
Balanced basket
Indicative dividend + the movement of 4 listed stocks (Microsoft, Apple, Eli Lilly, Amazon).
Tech & AI basket
Indicative dividend + the movement of 4 listed stocks (NVIDIA, Broadcom, Meta Platforms, Alphabet).
AI & Storage Momentum basket
Indicative dividend + the movement of 4 listed stocks (Micron, SanDisk, Dell Technologies, Palantir).
Full withdrawal available at any time, no notice or penalty. These return targets are indicative and never a performance guarantee. Learn more.
Frequently asked questions
Are there any early repayment fees?
No. You can repay all or part of the credit used at any time, with no penalty. Interest only accrues on the duration and amount actually used.
Is this pricing negotiable?
No, it applies uniformly to all clients at the rate in effect at the time of lock-in. A future rate change only applies to new lock-ins.
Why does the rate differ between USD and EUR?
Each currency applies its own monetary reference rate (SOFR for USD, EURIBOR for EUR) before adding the same 8.5-point risk premium, hence the 1.5-point gap between the two.