P2P Loan Investments
Bitcoin Suisse offers its clients the opportunity to benefit from attractive fixed-income collateralized loans. Investors have the opportunity to purchase claims on outstanding loans and are entitled to interest payments.
Attractive Yields
In comparison to fixed-interest traditional financial products - either in fiat or, in special cases, in crypto assets
Minimal Counterparty Risk
Fully backed and overcollateralized by assets in segregated custody
24/7 Monitoring
Bitcoin Suisse handles the full product lifecycle: Collateral management, custody and margining
Low Correlation
To traditional asset classes
What is a Peer-to-Peer (P2P) Loan?
Bitcoin Suisse facilitates the loan process as an intermediary, by matching borrowers with lenders. The interest of the loan is paid out to the lender, while the collateral is under segregated Bitcoin Suisse custody. We pride ourselves on a strong network of borrowers and lenders, making us able to facilitate loan sizes for either party, starting at CHF 100'000 in different currencies such as CHF, USD & EUR.
How does it work?
Interested clients of Bitcoin Suisse can define their preferences for the investment currency, size and duration for a P2P loan and will receive offers matching their preferences. If an offer is accepted, the specific amount of the loan is allocated to the borrower. Bitcoin Suisse takes over all administration for the loan and the monitoring of the collateral assets. The lender receives quarterly interest payments on the invested money. All loans are highly overcollateralized, and the crypto collateral assets are completely segregated to minimize the lenders' counterparty risk.
Comparing the Annual Percentage Rate (APR)
The charts below show an indicative yield comparison for three-months rates of conventional short-term instruments across the three major currencies—CHF, EUR, and USD. The charts compare these with the investment of a P2P loan with Bitcoin Suisse. All three comparisons underscore a consistent trend wherein P2P loans present a compelling proposition, yielding significantly higher returns compared to the conventional short-term financial instruments.
P2P EUR loan
12m EST - P2P Loan12m EST registers a 3.85% yield, whereas our P2P Loan offers a notably higher 8.00% yield.
P2P CHF loan
12m SARON - P2P Loan12m SARON reflecting a 1.48% yield, against a 6.19% yield of our P2P Loan.
P2P USD loan
12m SOFR - P2P Loan12m SOFR manifests a 4.14% yield, compared to a 9.0% yield of our P2P Loan.
Sources:
CHF: Six Group
EUR: ECB
USD: New York FED