Sygnum Bank now enables Bitcoin holders to put their assets to work without selling. With the BTC Lombard loan, clients gain immediate access to liquidity in USD, CHF or EUR while keeping full ownership of their Bitcoin — and without any rehypothecation. The flexible overdraft structure allows funds to be drawn, repaid, and drawn again at any time, as long as collateral requirements are met, with interest charged only on daily balances.
All Bitcoin collateral is held with institutional-grade, segregated on-chain custody that complies with Swiss banking standards. The onboarding process is fully digital: transfer in or buy BTC, apply for the Lombard loan, and typically access funds within 24 hours. Afterwards, clients can repay or extend the credit whenever needed, maintaining exposure to Bitcoin’s potential upside throughout.
With this offering, Sygnum Bank blends traditional finance with digital asset innovation, giving investors a secure and efficient way to unlock liquidity while their BTC continues working for them.