Grynvault
Grynvault:
sound money loans
Leverage your conviction in Bitcoin or Gold to enjoy the lowest costs. We're starting with car finance. Homes coming soon.
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How It Works
Let Bitcoin or Gold pay for your loan. You protect our principal and we get you the lowest costs.
Application
Submit your credit application.
- •Your credit score must be 625+
- •Your payments must be less than income thresholds
- •Provide a guarantee to purchase BTC/Gold from us at today's price in 4/8/16 years.
- •Provide banking information
Funding
Receive the loan amount.
- •You upload copy of title / registration
- •We place a lien against the asset
- •The seller is paid, or you receive funds in bank
- •Repay monthly and contribute towards guarantee
Repayment
Completing the loan.
- •We choose to exercise the guarantee or not
- •If the guarantee is exercised, you get BTC/Gold
- •If BTC/Gold is up and we do not exercise the guarantee, you get back all contributions
- •In default, all guarantee contributions are forfeit
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Why Choose Grynvault?
Designed for different communities with shared values on money.
For Bitcoiners
HODL with Liquidity
Finance your Toyota, buy more BTC—HODL with peace of mind and lowest cost. DCA-buy meets DCA-spend.
- Don't spend Bitcoin all at once
- Access liquidity against assets
- Enjoy the lowest cost capital
- Never worry about liquidation
For Muslims
Halal in Substance
Sharia-compliant qard hasan with rahn and wa'ad structure. Interest-free with shared risk principles.
- Interest-free (riba-free)
- Qard hasan structure
- Return policy wa'ad
- Shared risk approach
For Everyone
Smart Financing
Experience sound money in action. Refinance existing loans or acquire new cash-flow generating assets.
- Beats the bank
- Credit tiers 625+
- Refinance opportunities
- Transparent terms
Frequently Asked Questions
Full transparency on risks & processes. We believe informed decisions are the best decisions.
Guarantee Provision: As condition to the loan, you provide us a promise to buy Gold/Bitcoin at an agreed price in the future. This is similar to you offering us a put option. Instead of paying you a premium, we offer you an interest-free loan. This way the risk and reward is shared between us. If Bitcoin/Gold declines in value over the 4/8/16-year term, you agree to cover the difference at maturity. You contribute to a reserve that enables this guarantee, and we hold a lien against that reserve. You don't have to worry about a surprise expense this way, and you get the BTC/Gold while we get our principal back with no additional return. If we do not exercise this option with you, we keep the BTC/Gold and you get back your reserve as a rebate.