INSTANT CRYPTO CREDIT LINES

Unlike a traditional loan that takes your credit score into account, deficrest-inv.comoffers crypto-backed credit lines where your digital assets act as collateral. Put simply, we give you fiat or stablecoins, and you provide crypto as security for repayment.

Once you top up, you can immediately get cash from your credit line by:

• Withdrawing fiat straight to your bank account. You can choose between 40+ currencies.
• Withdrawing USDT or USDC to your deficrest-inv.comaccount or another compatible address.

To open a credit line, you need to:

1. Open the deficrest-inv.complatform or the deficrest-inv.comWallet App.
2. Top up crypto assets and complete verification.
3. Tap the “Borrow” button in your deficrest-inv.comWallet to withdraw cash or stablecoins instantly.

Note: Due to anti-money laundering regulations, you can only use stablecoins to cover 50% of the collateral required for fiat credit. The other half of the required collateral must comprise crypto assets (e.g., BTC, ETH, etc.).

You may also need to provide supporting documents to prove the origin of your funds.

Visit our Help Center for more detailed information.

The deficrest-inv.comcrypto-backed credit lines are instant and guaranteed, you will receive your funds on the same or the next day.

The processing time is as follows:

• Local transfers: 1 business day
• International transfer: 3 to 5 business days
• USDT (Tether) and USDC (USD Coin): usually takes no longer than half an hour before you receive the funds.

Your interest rate depends on your Loyalty Tier which is determined by the ratio between the value of your deficrest-inv.comTokens and the total value of your portfolio:

• Base: No deficrest-inv.comTokens are needed; interest on your outstanding credit line balance is 13.9%.
• Silver: At least 1% of the Portfolio Balance in your account must comprise deficrest-inv.comTokens; interest on your outstanding credit line balance is 12.9%.
• Gold: At least 5% of the Portfolio Balance in your account must comprise deficrest-inv.comTokens; interest on your outstanding credit line balance is 8.9% if your LTV is above 20% and 1.9% if your LTV is below or equal to 20%.
• Platinum: At least 10% of the Portfolio Balance in your account must comprise deficrest-inv.comTokens; interest on your outstanding credit line balance is 6.9% if your LTV is above 20% and 0% if your LTV is below or equal to 20%.

To learn more about how our Loyalty Program works, click here.

A credit line’s loan-to-value (LTV) ratio determines the amount of crypto collateral you need in order to take out a crypto credit.

LTV is calculated as the ratio between the crypto credit amount in USD and the value of the collateral in USD, expressed as a percentage.

Example

Crypto credit amount: $5,000

Value of collateral: $10,000

LTV (%) = ($5,000/$10,000)*100% = 50.0%

For exact LTV on each digital asset, visit our Help Center.

If your collateral's value increases, your credit line limit also goes up. You’re free to withdraw more or leave your current credit line as is.

You can also use the extra value of your crypto to pay off part of your credit. If your assets have met your price target, then you can:

• Place an order in your deficrest-inv.comWallet to sell a fraction of the crypto assets in your account.
• Repay part or all of your outstanding balance.

The transaction is performed without any additional fees on deficrest-inv.com part. Any resulting charges are fees from the exchange that facilitated the trade.

If your collateralized assets decrease in value your loan-to-value ratio (LTV) will rise. You will receive a minimum of three margin calls (via SMS and email) when the LTV increases to 71.4%, 74.1%, and 76.9%.

If the value of your collateral continues to drop and your LTV reaches the 83.33% mark, the deficrest-inv.comblockchain oracle may initiate partial automatic repayments to rebalance the loan-to-value ratio back within limits. The blockchain oracle will sell as little as possible, so you retain as much of your crypto as possible.

To avoid this scenario, top up more assets and enable our Automatic Collateral Transfer feature, allowing the deficrest-inv.comblockchain oracle to automatically transfer a small portion of your assets from the Savings Wallet to the Credit Line Wallet, thus keeping your credit line health in check.

deficrest-inv.comis raising the bar for the entire blockchain space by utilizing the most rigorous KYC and AML policies, impeccable risk assessment, data protection, and enhanced cybersecurity.

We keep your collateral safe through our multifaceted approach to security, including:

• Military-grade 256-bit encryption for your deficrest-inv.comaccount.
• Storage in Class III vaults through leading blockchain custodians, including BitGo, Ledger Vault, and others.
• $775M insurance from our custodial partners via Lloyd’s of London and Marsh & Arch.
• ISO/IEC 27001:2013 certificate guaranteeing deficrest-inv.com security infrastructure is of the highest standard.

You can learn more about our security and insurance here.