Next-Gen CeDeFi based crypto Lending Platform
Borrow against your Bitcoin at industry-competitive rates without the risk of hacking or seizure. Every loan sits inside a CeDeFi 2-of-3 multi-signature vault with peak decentralized security.
Multisig Security
Bank-level protection for your assets
High Returns
12-16% APR competitive rates
Legal Compliance
Lawyer-vetted contracts under IPC
200% Collateral
Over-collateralized for safety
1,200+ Users
Active traders
₹5.2 Crore
Total loaned
4.9/5
User rating
Built for Bitcoiners
The most secure Bitcoin-backed lending platform with unmatched security and transparency
Multisig Wallet Security
Bank-level security powered by multisig wallets. Your Bitcoin is protected by multiple signatures, ensuring maximum safety.
High Yield Returns
Earn 12-16% APR with 200% over-collateralization. Benefit from huge demand while maintaining complete security.
Legal Compliance
Lawyer-vetted contracts under IPC section. Simple legal clarity for complete peace of mind and protection.
Capture your Bitcoin value, tax-free
Watch your Bitcoin appreciate in value while you unlock USD liquidity without triggering taxable events.
- Borrow against your Bitcoin at market-rate terms without a credit check.
- Capture the value of your BTC tax-free while it continues to appreciate.
- Monitor your collateralized funds 24/7 with full on-chain transparency.
Grow stable, BTC-backed returns
Use Valuete’s platform to generate reliable income without exposure to Bitcoin volatility.
- Generate a stable source of income with fully collateralized loans.
- Choose from vetted borrowers inside the Valuete Marketplace™.
- Access independent verification of every multi-sig vault.
Why Valuete?
A B2B lending marketplace for bitcoin-backed loans that combines DeFi transparency with institutional safeguards.
near Zero Custodial Risk
Funds live in a 2-of-3 multi-signature wallet. One key is safeguarded by Valuete, another is decentralized, making large-scale hacks virtually impossible.
Lowest Interest Rate
Competitive, market-aligned rates give borrowers access to USD liquidity without sacrificing upside.
B2B Marketplace
A non-custodial marketplace lets institutions match the right counterparty and terms for every loan.
Easy Process
No credit checks. Loans never touch traditional bureaus, keeping every agreement discreet and compliant.
Valuete’s extensive safety measures
Bitcoin collateral is co-owned by lender, borrower, and Valuete. Two signatures are required for any movement, creating fortress-level security for every loan.
Default Risk
Collateral
Legal Contract
Legal Insurance
Complete Trade Lifecycle
From onboarding to completion - experience the full journey of secure Bitcoin-backed lending
Phase 1: User Onboarding & Authentication
User Signup & Verification
New user registration with email and phone OTP verification for maximum security
- Email verification
- Phone OTP authentication
- Profile setup
Referral System & V-Credits
Earn rewards when your referrals complete trades. V-Credits system with locked and transferable credits
- Unique referral codes
- ₹10,000 worth V-Credits per referral
- Transferable credits
Phase 2: Offer Creation & Matching
Creating an Offer
Lenders create offers with specific terms: loan amount, interest rate, duration, and LTV
- Customizable terms
- Optional lawyer requirement
- Marketplace visibility
Lawyer Onboarding (Optional)
Enhanced security with verified lawyers for contract vetting and dispute resolution
- Lawyer selection & agreement
- Contract vetting
- 3-of-4 multisig co-signer
Phase 3: Trade Initiation & Contract
Trade Start & Matching
Borrower expresses interest, trade is created, and parties can chat securely in-platform
- Trade status management
- In-platform chat
- Terms negotiation
Contract Generation & Signing
Automated contract creation via PandaDoc with lawyer vetting and digital signing
- Automated contract generation
- Lawyer vetting process
- Multisig address generation
Phase 4: Fund Transfer & Trade Execution
Bitcoin Collateral & Fund Transfer
Secure process: Borrower deposits Bitcoin to multisig, lender verifies, funds are transferred, and trade begins
Phase 5: Trade Management & Risk Scenarios
Dispute Resolution
Lawyer-mediated dispute settlement with evidence collection and review
- Lawyer involvement
- Evidence review
- Fair resolution
Margin Call & LTV Monitoring
Real-time LTV tracking with automatic margin calls and liquidation protection
- Real-time monitoring
- Margin call alerts
- Auto liquidation
Default Handling
Automated repayment reminders, escalation, and collateral liquidation
- Payment reminders
- Escalation process
- Collateral protection
Phase 6: Trade Completion & Rating
Rating System & V-Credits Distribution
After trade completion, all parties rate each other, referral bonuses are distributed, and trade history is maintained
- Borrower & Lender ratings
- Lawyer rating (if applicable)
- V-Credits referral bonus
- Trade closure & history
Advanced Capabilities
Enterprise-grade features that make Valuete the most secure and user-friendly lending platform
Real-time LTV Monitoring
Automatic tracking of collateral value with instant alerts when thresholds are approached
Automated Notifications
Email alerts for all key events: trade updates, margin calls, repayments, and more
In-Platform Chat
Secure communication between borrowers, lenders, and lawyers throughout the trade
Repayment Scheduling
Automated monthly payment tracking with reminders and payment history
Rating System
Trust-building through peer reviews for borrowers, lenders, and lawyers
V-Credits Management
Transfer credits, track balances, and manage locked vs unlocked credits
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