Cryptoyieldforyourbusiness,orusers.

Put your own holdings to work, or open a new revenue line for your platform. We run the book: vetted institutional borrowers, structured credit, daily margin monitoring, settlement, and reporting.

Loan originations $2.5B+Cumulative loan originations

Operating record Operating since 2018 Through multiple market cycles

Security certifications ISO 27001 · SOC 2 Type IISecurity certifications

Trusted by

Whattheyieldlookslike.

The yield you earn, or the yield you pass to your customers. Indicative target rates across major assets.

BTC

2–4%*Target Gross APY

ETH

4–5%*Target Gross APY

USDC

5–7%*Target Gross APY

XRP

3–4%*Target Gross APY

• and more

* Indicative gross target APY based on historical institutional lending performance and current market conditions, before any partner margin or fees. For API integrations, the rate passed to end users will be lower than the gross rate after deduction of partner margin. Rates are not guaranteed and will vary. Past performance is not indicative of future results. This does not constitute investment advice. This product is not covered by investor compensation or deposit guarantee schemes. Losses resulting from borrower default are borne by the depositor. Capital is at risk.

Wheretheyieldcomesfrom.

Yield is only as sound as the book behind it. Crypto lending’s worst moments came from books that were concentrated, opaque, and run on trust. This one is run to institutional standard, with exacting discipline.

• Borrowers

  Vetted institutional counterparties: CeFi desks, market-makers, and prop firms, each underwritten against a documented credit framework, with limits on any single borrower.

• Margin monitoring

  Positions monitored daily, with limits enforced against live exposure, not month-end snapshots.

• Transparency

  Position-level reporting every month, so you and your investment committee see exactly what you hold.

Pickthepaththatfitsyourbusiness.

Direct for businesses earning on their own holdings. API for platforms putting yield in front of their users. One lending book underneath both.

Direct

Put your holdings to work

For businesses that hold digital assets: treasuries, funds, family offices, and intermediaries lending as principal for their clients. Access the yield through one relationship: one credit framework, one consolidated report. The book itself is diversified across borrowers.

• Yield on your own digital-asset holdings
• Credit, custody, execution, and reporting, handled by us
• Live in ~7 days, no engineering or compliance build

API

Open a new revenue line by offering your users yield

For exchanges, neobanks, and wallets. Set up an earn program like the ones we already power for leading exchanges: offer your users yield on their crypto inside your own platform. You own the front-end and the customer relationship; we run the lending behind it: custody, credit, and settlement.

• Offer your users yield on their crypto, under your brand
• A new revenue line, with custody, credit, and settlement run by us
• Build via API, with a sandbox, docs, and support throughout.

Map it on a call.

Tell us about your product, users, and timeline. We’ll point you to the right path. Discovery calls take thirty minutes.

Twopaths,compared.

The same lending book underneath both. The difference is who runs it, and who it’s for.

Fasttostart.

Most clients are live in weeks, not months. Both paths run on the same institutional book.

1. Discovery & terms

   • Direct: Scoping call. Complete the DDQ. KYB on your entity. Sign the lending agreement.
   • API: Mutual NDA. Alignment call on integration, channels, and timeline. Commercial terms agreed in partnership setup.

2. Onboarding & access

   • Direct: KYB cleared. Where you act as principal for a client, the applicable KYC model and contractual structure are agreed during onboarding. Account opened and funding instructions issued.
   • API: Authentication credentials issued via secure share. Test and production settlement wallet addresses set up.

3. Fund / build & test

   • Direct: Transfer assets. We deploy into the book. Reporting access switched on.
   • API: Build the eight-endpoint integration. Complete acceptance testing in the sandbox.

4. Live

   • Direct: Capital is at work. We run the book, monitor risk and ship monthly statements.
   • API: Alliance Agreement signed. Production acceptance verified. You go live to your users.

Questionsworthaskingbeforethefirstcall.

• Who is Tesseract Lending for?
  Two kinds of business: those that want yield on assets they hold (treasuries, funds, family offices, and intermediaries lending as principal for their clients), and platforms that want to offer their users yield (exchanges, neobanks, wallets). Either way, you get the custody, credit, and risk infrastructure without building it.

• What types of institutions can partner with Tesseract?
  Custodians, crypto exchanges, wallet providers, fintechs, brokerages, wealth managers, and asset managers. We integrate into both regulated and non-regulated partner environments.

• What’s the difference between Direct and API?
  Direct: we run the operations on our app. Put your own holdings to work (treasuries, funds, family offices, or as principal for a client), dealing with us directly, with no end-user layer. API: you build your own front-end and integrate via our API to offer your users yield. Both run on the same book.

• How long does onboarding take?
  Most clients complete onboarding in 5 days to 2 weeks, depending on entity complexity and how quickly documentation comes together. KYB is approved within 2 business days of a clean submission. Direct accounts are typically live within a further 7 days or so. API integrations run 14–21 days, depending on your engineering capacity.

• How is yield generated?
  Tesseract lends to a diversified book of reputable, creditworthy counterparties: CeFi desks, market-makers, and delta-neutral prop firms. The book is operated within a documented credit-risk framework, with position-level transparency surfaced in monthly reporting. Full detail is in the product fact sheet.

• How do you manage credit risk?
  Our book is diversified across vetted institutional borrowers, each underwritten against a documented credit framework, with concentration limits, daily margin monitoring, and position-level reporting every month. Crypto lending’s failures came from the opposite: concentrated, opaque books run on trust. Capital is still at risk, and we’re clear about that: the structure is built to manage that risk, not to hide it.

• Is lending regulated?
  No. Lending is provided by Tesseract Earn Oy (registered in Finland) and is not a regulated financial service. It is not covered by investor compensation, it is not a deposit, and your capital is at risk. This is separate from our MiCA-authorized services (Dedicated Client Vaults), provided by Tesseract Investment Oy.

• What does the commercial model look like?
  Revenue is shared through either a rev-share or a spread model, agreed up front and structured to fit your commercial shape. We don’t publish rate cards. The first conversation is the right place to scope it. Typical first calls take thirty minutes.

• Why do we verify identities (KYB/KYC)?
  Verification is a legal obligation under the EU AML Directives, FATF Recommendations, Finland’s national AML Act, and other applicable AML regulations. Beyond compliance, KYB and KYC protect both Tesseract and our partners from fraud, sanctions exposure, and counterparty risk.

• How long do you retain our KYB and KYC information?
  Tesseract retains KYB and KYC records for up to 5 years, in line with EU Anti-Money Laundering Directive requirements and Finland’s national AML Act.

• Can we suspend or ban users on our side?
  Yes. Partners retain this authority. Tesseract operates the lending book behind your platform; user lifecycle management (suspension, ban, account closure) stays with your team.

• How do I connect to the API?
  Partner integrations use OAuth2 client-credentials (M2M) authentication. You’ll be issued a Client ID and Client Secret to exchange for bearer tokens. Detailed connection instructions are in the developer documentation portal.

Regulatory clarity

Lending is provided by Tesseract Earn Oy (registered in Finland) and is not a regulated financial service.

Not covered by investor compensation · Not a deposit · Capital at risk