Vield

Vield Pty Ltd

About this app

About the Vield App

At Vield, we empower crypto holders to unlock liquidity while preserving the long-term growth potential of their Bitcoin (BTC) and Ethereum (ETH). As the market leader in Australia for crypto-backed AUD loans, we deliver fast, secure, and flexible solutions for retail and corporate borrowers alike.

CRYPTO-BACKED LOANS: Unlock Liquidity Without Selling Your Crypto
Access Liquidity: Borrow AUD while benefiting from potential price appreciation of BTC and ETH.

SEAMLESS EXPERIENCE: Manage Anytime, Anywhere
Easy Account Management: Access your account via a user-friendly desktop or mobile app.
Australia-Based Support: Our dedicated team is available by phone or email to assist with any inquiries.
Phone: Call us at 02 9157 9669 (Mon–Fri, business hours).
Email: Reach us at [e-mail] for prompt assistance.

Generous LVR: Up to 50% Loan-To-Value (LVR) ratio for your crypto assets.
Transparent Costs: Fixed rates and low fees for peace of mind.
Flexible Repayment: Quarterly interest-only repayments to help you manage cash flow with ease.
Flexible Eligibility: Loans starting at just A$2,000, available to retail and corporate borrowers.
Fast Processing: Receive AUD within 24 hours of approval (business hours).

GET STARTED IN 3 SIMPLE STEPS
Create Your Account: Sign up quickly and easily.
Verify Your Identity: Complete KYC with a valid photo ID.
Deposit BTC or ETH: Apply for a loan and unlock your liquidity.

TRUST & SECURITY: Your Assets Are in Safe Hands

No Rehypothecation: Your BTC and ETH collateral remains securely held and is not used for trading or staking throughout the duration of your loan.
Regulated and Licensed: Vield Capital Pty Ltd (ABN 38 672 205 113) is a Credit Representative (No. 553950) of LSL Alternative Credit Pty Ltd (ABN 55 641 811 181), licensed under Australian Credit Licence No. 526970.
Institutional-Grade Custody: Wallet infrastructure provided by Utila, a trusted global leader in secure wallet services.

Fully Insured: Safeguarding your assets is our top priority.

Unlock your liquidity today—without selling your crypto.

Visit vield.io and discover how easy it is to leverage your digital assets.

*T&Cs apply. See our website for full details.
Repayment Period: The minimum repayment period for our Crypto-backed loan product is 12 months, and the maximum is 24 months.

Maximum Annual Percentage Rate (APR): Our Crypto-backed loan product has a maximum Interest rate of 13.21% with a maximum APR/comparison rate of 16.20%.


REPRESENTATIVE LOAN EXAMPLE: Understand Your Costs

Example Loan Details:

Loan Amount: A$10,000
Interest Rate: 13% per annum (compounded daily)
Origination Fee: 2% of the loan amount, deducted upfront

Total Costs Breakdown:

Origination Fee:
2% of A$10,000 = A$200 (deducted from the loan disbursement).
Total disbursed to you: A$9,800.

Interest Calculation:
Daily interest rate: 13% ÷ 365 = 0.0356% per day.

Loan balance accrues daily interest on the principal:
After 1 year (365 days): A$10,000 × (1 + 0.000356)^365 = A$11,383.92.
Total Cost of Loan Over 12 Months:
Interest accrued: A$1,383.92
Origination Fee: A$200
Grand Total (Principal + Fees): A$11,583.92

Quarterly Interest-Only Payments:
Interest-only payments = Total interest ÷ 4 = A$345.98 per quarter.

Key Notes:
Origination fee is deducted upfront from the loan disbursement.
Interest accrues daily, so paying down the loan early reduces the total interest cost.

Privacy Policy: https://www.vield.io/privacy-policy