Vield, an Australian-regulated lender, has launched a Lending-as-a-Service platform that allows financial institutions, fintech companies, exchanges and digital asset platforms to offer Bitcoin-backed loans under their own brand names. The platform officially went live on November 10, 2026.
The pitch is straightforward: many companies want to offer crypto lending, but far fewer want to build the credit, compliance, custody and loan servicing systems behind it. Vield aims to provide that infrastructure.
How partners can plug in
Partners can integrate with Vield in four ways:
- Referral: the partner sends customers to Vield.
- White-label: the loan product carries the partner’s branding.
- Hybrid: a mix of referral and white-label.
- Full API: the partner wires Vield’s lending directly into its own systems.
Loan terms
The core product is a white-labeled Bitcoin-backed loan denominated in Australian dollars. It carries a fixed interest rate of 13% per annum. Terms run up to 12 months, and the maximum loan-to-value ratio (LVR) is 50%. The minimum loan size is $2,000, and clients pay a 2% origination fee.
Track record
Vield was established in 2022, though research findings point to operations beginning in either 2022 or 2023, depending on the source. Since then, the company says it has facilitated more than $50 million in approved loans and reports a zero-default rate over that period. It also says it has served more than 1,000 clients and reports zero capital losses through a full market cycle.
Funding and custody
Vield funds its loans through private credit, not decentralized finance mechanisms. The cash comes from conventional lenders and investors rather than automated on-chain lending pools. All client collateral is held in segregated, insured cold storage with Zodia Custody Australia.
Regulatory standing
Vield operates under Australian Credit Licence 526970 and is registered with AUSTRAC, Australia’s financial intelligence and anti-money laundering regulator. In October 2025, Vield secured a Private Binding Ruling from the Australian Taxation Office stating that pledging Bitcoin as collateral does not trigger a capital gains tax disposal event.
Why the infrastructure model matters
Behind the scenes, a lender needs credit assessment, licensing, anti-money laundering checks, custody arrangements, collateral monitoring and loan servicing. Vield’s bet is that many firms would rather rent that stack than build it. The model also changes who Vield competes with: instead of fighting every exchange for retail borrowers, it can try to become the lending supplier behind those exchanges.
Risks to consider
A zero-default record over a few years is strong, but white-labeling spreads one lender’s credit and custody setup across many brands. If anything in that shared stack breaks, it breaks for every partner at once. The other question is collateral volatility: a 50% LVR provides a cushion, but Bitcoin has a long history of sharp moves.
For the Australian market specifically, the combination of a credit licence, AUSTRAC registration and an ATO tax ruling gives Vield a regulatory head start.
