Question 1

What is Minted?

Accepted Answer

An institutional credit house for bitcoin. Minted originates, underwrites and lends against BTC as principal lender, on committed terms of one to five years.

Question 2

What is Minted not?

Accepted Answer

Minted is not a DeFi protocol, a crypto exchange, a broker or a lending app.

Question 3

Who is the lender?

Accepted Answer

Minted. We originate, underwrite and fund each loan as principal lender and lender of record, and we manage the borrower relationship.

Question 4

What is recorded, and where?

Accepted Answer

Every step of a facility is written to a private record on Canton, visible to the parties only. It supports monitoring and credit assessment over time.

Question 5

Who does Minted lend to?

Accepted Answer

Institutions that hold bitcoin: publicly listed digital asset treasuries, asset managers, family offices and operating businesses.

Question 6

How long is a facility?

Accepted Answer

One to five years. The term is agreed up front and the funding is committed for that term.

Question 7

Can the loan be recalled?

Accepted Answer

No. A Minted facility is committed for its term. It is not recallable at short notice.

Question 8

Where is the collateral held?

Accepted Answer

In qualified custody, segregated for every facility, under transaction-specific security and control agreements.

Question 9

What happens if coverage falls?

Accepted Answer

Coverage is monitored every day. Margin calls and cure periods are set out in the terms before the facility funds.

Question 10

Is my identity shared?

Accepted Answer

Not without your agreement. Borrower identity stays private until an introduction is agreed.

Question 11

What does a capital partner provide?

Accepted Answer

Secured lending to Minted that supports an agreed portfolio of institutional borrower facilities, with defined eligibility and concentration limits and agreed reporting.

Question 12

What are the economics?

Accepted Answer

A 200 to 500 bps annual LP spread above cost of funds. On $100m of deployed capital that is $2m to $5m a year.

Question 13

How long is the commitment?

Accepted Answer

Committed funding aligned to borrower terms, including one- to five-year requirements, with an agreed path to expand as funded demand grows.

Question 14

What reporting do I receive?

Accepted Answer

Facility exposure, balances, interest schedules, repayments and collateral coverage, on an agreed schedule, with a private record on Canton.

Question 15

How do I start?

Accepted Answer

Send a confidential request with size, currency, tenor and collateral. We answer with terms.

Question 16

Who replies?

Accepted Answer

A member of the credit desk replies within one business day.

Question 17

Can I introduce a borrower?

Accepted Answer

Yes. Referral partners introduce institutions in confidence, and Minted structures the request and answers with terms.

Questions.

General

Borrowers

Capital partners

Getting started