Kolat

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Powering the future of crypto-backed finance

Kolat enables financial institutions to offer crypto-backed financial products without touching crypto. We provide end-to-end infrastructure — custody, KYC, licensing, LTV management — so banks and fintechs can serve crypto users with loans, credit lines, and e-commerce financing, fully compliant and risk-free.

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Global market value of crypto-backed loans
$ 0 B+
Crypto holders projected by 2025
0 B+
Global market value of crypto-backed loans
0 M+
Global market value of crypto-backed loans
0 %

Our Functionality

🔗

API-Based Integration

Modular, fast integration (<48h) into legacy systems and fintech platforms with our robust API infrastructure.
💎

Multi-Asset Collateralization

Supports Bitcoin, Ethereum, and stable coins with adjustable LTV (50-80%) based on risk profile and asset volatility.
🛡️

Custody Infrastructure

Regulated, insured custody of crypto assets with secure cold storage and $250M insurance coverage, expandable based on client needs.
⚡

Real-Time LTV Management

Dynamic loan-to-value engine adjusts risk levels in real time, protecting both lenders and borrowers from market volatility.
✅

Complete Compliance

Comprehensive KYC/AML, ISO 27001 certified, GDPR compliant, partnered with VASP registered by Bank of Spain for secure operations.
📄

Smart Contracts

Lock funds and automatically execute default rules once predefined conditions are met, ensuring transparent and reliable operations.

Use Cases

Retail & E-commerce

Consumer Finance

Offer instant personal loans or credit lines using crypto as collateral—fast approval, no selling required.
Banking

Real Estate & Auto Loans

Allow partial or full mortgage-style financing with crypto guarantees—preserve asset value while acquiring property.
Retail & E-commerce

E-commerce Checkout

Integrate crypto-collateralized BNPL directly into e-commerce platforms, increasing conversion rates with zero risk.
Banking & Fintech

Credit Cards

Issue credit cards linked to collateralized wallets. Spend in fiat, settle in crypto.
Banking & Fintech

SMB Lending

Offer fast financing to SMBs backed by crypto collateral, without the need to liquidate holdings.
Retail & E-commerce

Dealership Financing

Enable vehicle purchases (cars, motorcycles, boats) through crypto-backed financing at the point of sale.

Benefits for Financial Institutions

🌍

Open New Markets

Reach millions of underbanked crypto holders with compliant financial products and tap into the growing digital asset economy.

⚡

Smarter Approvals

Approval in seconds, ≈100% acceptance rate vs. traditional scoring methods, thanks to crypto collateral backing.

🚀

First-Mover Advantage

Offer crypto-backed loans before MiCA-regulated competitors catch up and dominate this emerging market.

🛡️

0% Default Rate

Loans are fully collateralized with real-time risk management, virtually eliminating default risk for lenders.

🔒

No Crypto Exposure

Fully regulated infrastructure handles custody, volatility, and liquidation—you focus on your core banking business.

✨

Better User Experience

Instant access to liquidity without selling crypto assets, providing superior customer experience and retention.

Ready to transform your financial offering?

Join the crypto-backed finance revolution with Kolat. Fast integration, full compliance, zero risk.
Contact Us Now

Kolat

Powering the future of crypto-backed finance with complete, secure, and regulated infrastructure for financial institutions.

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