Trusted by over 1,000

Borrowers and Lenders

Crypto-to-fiat loans, simplified

Your collateral stays in a self-custodial vault.

Fiat is cleared via a Swiss entity

Your collateral stays in a self-custodial vault. Fiat is cleared via a Swiss entity

Borrowers

Crypto in your vault, money

in your bank account

Request a Loan

Borrowers

Crypto in your vault, money in your bank account

Request a Loan

Lenders

Opportunities of DeFi, simplicity of fiat

Start Earning Yield

Lenders

Opportunities of crypto, simplicity of fiat

Start Earning Yield

Lenders

Opportunities of crypto, simplicity of fiat

Start Earning Yield

Collateral held in self-custodial vaults
Fiat cleared by a Swiss entity under FINMA oversight
EURe lending and borrowing via Gnosis partnership
Trust-minimized on-chain, Swiss rule of law off-chain

Collateral held in

self-custodial vaults

Collateral held in

self-custodial vaults

Fiat cleared by a Swiss entity

under FINMA oversight

Fiat cleared by a Swiss entity

under FINMA oversight

EURe lending and borrowing

via Gnosis partnership

EURe lending and borrowing

via Gnosis partnership

Trust-minimized on-chain,

Swiss rule of law off-chain

Trust-minimized on-chain,

Swiss rule of law off-chain

How it works

Fiat liquidity.
On your terms.

For Borrowers

For Lenders

Create a loan request

Select a currency, set a desired amount, interest, duration, and payment method

Get matched with a lender

Sign the lending contract

Clear terms, no hidden fees, Swiss rule of law

Reserve the collateral

The collateral remains in your self-custodial Anvil vault and you define how much is reserved against the loan

Receive funds to your bank account or Gnosis Chain wallet

Fiat funds are sent from our Swiss bank account to yours, or on-chain to your wallet

How it works

Fiat liquidity.
On your terms.

For Borrowers

For Lenders

Create a loan request

Select a currency, set a desired amount, interest, duration, and payment method

Get matched with a lender

Sign the lending contract

Clear terms, no hidden fees, Swiss rule of law

Reserve the collateral

The collateral remains in your self-custodial Anvil vault and you define how much is reserved against the loan

Receive funds to your bank account or Gnosis Chain wallet

Fiat funds are sent from our Swiss bank account to yours, or on-chain to your wallet

Collateral stays on-chain.*
Fiat moves through Swiss regulated infrastructure

Designed to reduce complexity without introducing hidden risk.

Request a Loan

Start Earning Yield

* Powered by Anvil

Collateral stays on-chain.*
Fiat moves through Swiss regulated infrastructure

Designed to reduce complexity without introducing hidden risk.

Request a Loan

Start Earning Yield

* Powered by Anvil

Anvil is a non-custodial
collateral management
protocol on Ethereum.

Anvil is a non-custodial collateral management protocol on Ethereum.

It's Triple-Audited By The
Industry's Top Firms

It's Triple-Audited By The Industry's Top Firms

Benefits

Ethereum-backed collateral. Swiss fiat protection

Underlying entity incorporated in Switzerland and subject to FINMA oversight

Collateral managed by a non-custodial triple-audited protocol, minimizing counterparty risk

Fiat cleared via Swiss bank account and decoupled from collateral, simplifying compliance and improving privacy

For Borrowers

For Lenders

Security and Privacy

Crypto collateral is reserved in self-custodial vaults, and only the required amount can move if necessary

Swiss privacy protections help shield your data from adversarial regulatory exposure

For Gnosis users, the structure breaks the link between your collateral and your Gnosis Pay card

Convenience and Flexibility

Flexible collateral management — top up if prices fall, withdraw without needing permission if they rise

Fixed interest rates, no unexpected swings

Loan durations from 3 to 24 months, with rollover option

Continuous monitoring with push margin call notifications

Simplicity and Transparency

Funds cleared centrally through the Swiss banking system

Designed to avoid unnecessary bank compliance flags

No origination fees, capital charges, or opaque pricing

For Borrowers

For Lenders

Security and Privacy

Crypto collateral is reserved in self-custodial vaults, and only the required amount can move if necessary

Swiss privacy protections help shield your data from adversarial regulatory exposure

For Gnosis users, the structure breaks the link between your collateral and your Gnosis Pay card

Convenience and Flexibility

Flexible collateral management — top up if prices fall, withdraw without needing permission if they rise

Fixed interest rates, no unexpected swings

Loan durations from 3 to 24 months, with rollover option

Continuous monitoring with push margin call notifications

Simplicity and Transparency

Funds cleared centrally through the Swiss banking system

Designed to avoid unnecessary bank compliance flags

No origination fees, capital charges, or opaque pricing

For Borrowers

For Lenders

Security and Privacy

Crypto collateral is reserved in self-custodial vaults, and only the required amount can move if necessary

Swiss privacy protections help shield your data from adversarial regulatory exposure

For Gnosis users, the structure breaks the link between your collateral and your Gnosis Pay card

Convenience and Flexibility

Flexible collateral management — top up if prices fall, withdraw without needing permission if they rise

Fixed interest rates, no unexpected swings

Loan durations from 3 to 24 months, with rollover option

Continuous monitoring with push margin call notifications

Simplicity and Transparency

Funds cleared centrally through the Swiss banking system

Designed to avoid unnecessary bank compliance flags

No origination fees, capital charges, or opaque pricing

For Borrowers

For Lenders

Security and Privacy

Crypto collateral is reserved in self-custodial vaults, and only the required amount can move if necessary

Swiss privacy protections help shield your data from adversarial regulatory exposure

For Gnosis users, the structure breaks the link between your collateral and your Gnosis Pay card

Convenience and Flexibility

Flexible collateral management — top up if prices fall, withdraw without needing permission if they rise

Fixed interest rates, no unexpected swings

Loan durations from 3 to 24 months, with rollover option

Continuous monitoring with push margin call notifications

Simplicity and Transparency

Funds cleared centrally through the Swiss banking system

Designed to avoid unnecessary bank compliance flags

No origination fees, capital charges, or opaque pricing

Platform Stats

EUR (€)

USD ($)

Average Interest Rates

Median fixed rate

3,8%

Average Loan Size

Median loan rate

€180,000

Average Time to Funding

From request to funds sent

2-5

Business Days

Platform Stats

EUR (€)

USD ($)

Average Interest Rates

Median fixed rate

3,8%

Average Loan Size

Median loan rate

€180,000

Average Time to Funding

From request to funds sent

2-5

Business Days

Platform Stats

EUR (€)

USD ($)

Average Interest Rates

Median fixed rate

3,8%

Average Loan Size

Median loan rate

€180,000

Average Time to Funding

From request to funds sent

2-5

Business Days

All figures shown are indicative median values and may vary by currency and market conditions.

Faq

Key Questions,

Clearly Answered

Got a question we haven’t covered yet?

No problem! Send us a message, and we’ll make sure you get all the answers you need — friendly, fast, and clear.

contact@helva.finance

Who holds my crypto collateral?