Crypto-Backed Lending Solution
Innovative Growth for the Lending Business - Collateralization through Digital Assets
In a financial system increasingly shaped by digital assets, new opportunities, but also challenges, are opening up for banks and financial service providers.
One thing is clear: anyone who wants to be successful in the long term can no longer avoid innovative solutions and products such as crypto-backed loans. These are loans secured against potential defaults or repayment difficulties using digital currencies as collateral.
The modular Crypto-Backed Lending Solution package from Sopra Financial Technology is the tailor-made response to this development and enables you to strategically expand your loan portfolio.
Why Rethinking Is NecessaryCrypto Assets: Seize Opportunities, Minimize Risks
Cryptocurrencies have become an integral part of the financial world, and their use is continuously increasing. The global lending volume for cryptocurrency lending and borrowing currently exceeds USD 36 billion – and the trend is continuing to grow. Digital currencies are tradable worldwide, highly liquid, and can be valued around the clock.
At the same time, however, they pose structural, legal, and technological challenges for banks: volatile markets require real-time monitoring and flexible collateralization mechanisms. The legally sound realization of collateral provided in the form of crypto assets continues to raise complex questions and requires a clear regulatory framework. Last but not least, digitally savvy customers expect a seamless user experience and new offerings that incorporate digital assets.
Sopra Financial Technology meets all these requirements with a product that combines regulatory security, scalability, and user-centricity.
Our Offer For YouCrypto-Backed Lending Solution – Your Entry Ticket to the Future Market
The Crypto-Backed Lending Solution is more than a technical platform – it is your springboard into a growing market that you can scale step by step. The most important benefits at a glance:
Individual design...
...of loan offers through specific configurations and electronic transmission to customers.
Conditions such as interest rates, terms, and loan-to-value ratios can be flexibly adjusted and tailored to different customer segments. This allows institutions to develop and offer market-specific products in a targeted manner. Digital transmission ensures fast, seamless contract conclusion.
Secure orchestration...
...between the lender and the crypto custodian during the deposit and locking of digital assets.
System-side control ensures seamless coordination between all parties and processes involved. Digital assets are reliably deposited, locked, and liquidated as needed – automated and traceable. This ensures the security of the deposited collateral at all times.
Monitoring...
... the required transactions and the loan disbursement in fiat currency.
All relevant payment flows and crypto transactions are monitored and documented in real time. This monitoring enables transparent and audit-proof traceability of all business transactions. This allows institutions to maintain control over open positions and payment flows at all times.
Creation and archiving...
...of the required contracts.
Contract creation is automated via interfaces based on individually configured loan offers and customer data. All contract documents are archived in the customer system in an audit-proof manner and are digitally accessible at any time – for maximum efficiency, compliance, and seamless processes.
LTV monitoring...
...with automated customer notification and liquidation logic.
The current loan-to-value (LTV) ratio is continuously monitored and compared with the agreed loan-to-value limits. When critical thresholds are reached, the customer is automatically informed with options for action. If the threshold is exceeded, the stored liquidation logic is activated to minimize the risks for the lender.
Become a digital pioneer. Unlock new revenue streams, attract young investors – and shape the future of finance with crypto-backed loans.
New business and inventory managementModular and tailored to your needs
-
New Business
Configuration, Credit Indication, Terms Calculator
Creation of Individual Loan Offers through Institution-Specific Configuration
-
New Business
Collateral Engine
Orchestration of the deposit and blocking of loan collateral between lender and crypto custodian.
-
-
Inventory Management
Dunning Engine
Provision of data for any necessary dunning procedures (e.g., in case of late loan payments).
-
Inventory Management
Monitoring Engine
Loan Lifecycle Monitoring
-
New Business
Decision Engine, Accounting and Credit Offer
Automated credit decision preparation; sending of an individual electronic credit offer.
-
New business
Transaction monitoring, disbursement
Initiation and monitoring of transactions and loan disbursements in fiat currency within the core banking system.
-
New business
Contract & Document Center, Archive
Creation of the necessary (institution-specific) contracts and their
archiving. -
-
Inventory Management
Margin Call Engine
Monitoring of loan-to-value ratios (LTV) and notification of customers when limits are breached, potentially leading to liquidation.
Why Sopra Financial Technology Is the Right PartnerExperienced. Compliant. Future‑Oriented.
With over 40 years of experience in financial IT, Sopra Financial Technology is a reliable partner for innovations in the regulated environment. We consider compliance – from attachment orders to reporting and documentation. Our strength lies in the combination of specialist knowledge, regulatory depth, and technical implementation expertise.
As part of the Sopra Steria Group's European network, you also benefit from access to future-oriented developments such as the comprehensive platform solution Sopra Crypto Solutions (SCS), which is currently being developed.
The Next StepStart with a Product That Makes an Impact
You want to enter the world of crypto‑backed lending and position yourself early in this high‑growth segment. Let us show you how to turn digital assets into lasting value creation.
Request a non‑binding consultation – we look forward to speaking with you.
