Crypto-backed lendingunder your brand.
Lending-as-a-service, powered by the Heartbit credit engine. Full-API infrastructure that lets you offer loans, credit lines, and leverage to your users - without building the risk logic, lifecycle system, integration rails, or operational stack yourself.
Buy, sell, hold is becoming a commodity. Credit is the next layer of platform power.
Buy. Sell. Hold. Transfer. That used to be enough. Now it is table stakes.
The next platform war is not custody, trading, or another dashboard. It is capital access.
Every asset sitting on a platform is more than a balance. It is potential liquidity, retention, revenue, and product gravity.
They have two options
› Stay inside the platform they already trust.
› Leave the platform and borrow somewhere else.
…asset platforms into financial platforms.
If users cannot borrow against their assets with you, they will eventually do it somewhere else.
The credit layer is not theoretical anymore. It is already forming around the platforms that can support it.
The next platform advantage is not helping users buy assets. It is helping them use assets without selling them.
The borrow button is easy.
What users see is simple. A clean button. A loan offer. A repayment screen. A balance update.
That visible layer is only the surface. The lending system behind it is where platforms get exposed - and where in-house builds break.
The demo is simple. Production is where the hidden 90% shows up.
Where platforms get burned.
A crypto-backed lending product is not just a frontend feature. It is a risk system attached to real collateral. That is where in-house builds usually break.
Risk logic
One weak LTV rule turns normal volatility into platform loss. The danger is not "price went down" - it is a system that reacts too late, too aggressively, or inconsistently.
Product rigidity
A generic loan rarely fits a real platform. Different markets, assets, users, jurisdictions, and risk appetites all need configurable product envelopes.
Integration drag
"One API" becomes months of edge cases: custody, ledger events, pricing, repayments, loan states, risk monitoring, webhooks, reporting.
Operational blind spots
If ops cannot clearly see loan, risk, and exception state, users feel the chaos first. Bad internal visibility becomes bad customer experience.
Compliance confusion
Unclear ownership slows approval. Legal, risk, and compliance need to know exactly who owns what - without a clean boundary, the product stalls before launch.
Customer trust risk
A bad margin-call or liquidation destroys trust faster than any trade. Credit is personal. Collateral is emotional. Liquidation is reputational.
Lending failure is rarely one big mistake. It is many small gaps hiding inside the lifecycle - exactly what an engine is built to close.
We are the credit brain behind your platform.
Plug in. Configure. Launch.
You keep the customer relationship, the brand, and the regulatory perimeter. Heartbit powers the credit layer your platform can launch under its own brand.
Configurable Lending Products
No black box. No "take it or leave it." Heartbit lets platforms configure credit products around their market, customer base, and risk appetite.
Lending Lifecycle Engine
The full loan journey is orchestrated by the engine. Your team does not need to reinvent the machinery.
Platform Integration Layer
This is not a demo API. It is built for controlled rollout, partner certification, and production activation.
Operational Control System
Credit cannot run safely without operational visibility. Heartbit provides the control layer your risk, ops, compliance, and executive teams need.
The value is not one formula. It is the system that makes crypto credit safe to launch, monitor, and scale.
One continuous, monitored, auditable pipeline.
The loan moves through a single orchestrated lifecycle, from eligibility to settlement. Heartbit runs the engine. Your platform sees the states, events, and signals it needs.
Application → Eligibility → Quote → Acceptance → Collateral → Activation → Monitoring → Repayment → Closure → Risk Resolution
Partner API request
Credit terms requested through the Partner API, fit-checked against the configured product envelope.
Controlled response
Evaluated against approved product rules, collateral rules, limits, and risk boundaries.
Time-bound quote
The engine creates a quote based on current parameters. Traceable and auditable.
Platform accepts
The platform accepts the quote through the API. The loan moves to the next state.
Validated
Validated against the partner's custody and ledger model. Heartbit is not the custodian - it enforces credit logic around the collateral state.
Loan active
Once conditions are met, the loan activates. The platform receives lifecycle events and loan-state visibility.
Continuous
The engine monitors loan health, LTV, risk bands, and lifecycle state. Risk states surface clearly.
Processed
Repayment events are processed through the agreed integration flow. The loan state updates accordingly.
Settled
When the debt is settled, the engine closes the loan and records the full lifecycle history.
Workflow
On warning, margin call, or liquidation-pending, the engine follows the configured workflow and surfaces the required state.
Heartbit.
Your platform.
End to end.
One engine. Multiple revenue-generating credit products.
Heartbit is not a single loan template. It is a credit engine that lets platforms launch controlled products around their market.
Borrow without selling.
Let users borrow against supported assets without selling - liquidity while keeping market exposure.
Structured credit, controlled.
Structured credit with defined duration, repayment logic, collateral rules, and loan-health visibility.
Suitability-aware exposure.
Configured, suitability-aware structures for eligible users who want increased market exposure.
Built around your exact world.
Build products around a partner's market, custody and ledger model, assets, and customer segment.
The platform does not need "a loan feature." It needs a credit product layer - one engine, multiple revenue streams.
Clear lines. Easier to approve internally.
Heartbit does not pretend to be your exchange, your custodian, your liquidity provider, your compliance department, or your regulator. That is the point. A clean boundary helps internal teams understand what they are approving.
The partner owns
Heartbit provides
This boundary is not cosmetic. It is what lets serious, regulated platforms say yes.
The same credit layer creates two wins: platform growth and user liquidity.
A lending product should not create a zero-sum relationship. Done correctly, it compounds value on both sides.
From asset platform to credit platform
Liquidity without forced selling
The user gets liquidity. The platform gets retention, revenue, and a deeper financial relationship.
Build it yourself, or partner.
Heartbit monetizes like infrastructure - the partner keeps the customer, the brand, and the product economics.
Heartbit monetizes like infrastructure - not like a broker.
The model combines four components, scaled to the partner's launch path, integration depth, and expected volume.
Get to controlled launch
A one-time fee for setup, product-envelope configuration, sandbox onboarding, certification, and go-live preparation.
Predictable infrastructure
A recurring license for the engine, operational portal, API, webhooks, monitoring, and support. Creates predictable infrastructure revenue.
Aligned with adoption
Tied to originated volume or the outstanding loan book - the part that compounds as the partner grows.
Success economics
For selected partners, a negotiated share of lending economics. Optional and deliberately not the default.
Indicative first-year revenue
Margins are high - the marginal cost to serve another partner is low - and revenue recurs and compounds with each partner's loan book.
Year one is an investment stage. Meaningful, compounding revenue is a year-two-onward story, and the milestone plan is sized to reach that inflection.
Pricing is illustrative, for modelling only, and set per partner. The structure is the point.
The partner owns the customer economics. Heartbit participates in the infrastructure value it enables.
Terms depend on launch path, integration depth, jurisdiction, expected volume, number of environments, product complexity, support, certification scope, operational involvement, and SLA.
Unless explicitly agreed, those remain with the partner.
You keep the customer. You keep the brand. You keep the product economics.
You can build it yourself. But then you become a lending infrastructure company.
Building lending in-house sounds attractive until the real scope appears. It is not one API, one borrow screen, or one repayment flow. It is an always-on financial infrastructure layer.
The long way
The hidden cost is not only development cost. It is opportunity cost, operational risk, and delayed market entry.
The shorter path
Move from a multi-year build to a controlled, certified rollout.
Build it only if becoming a lending infrastructure company is the strategy. To launch credit faster, safer, and under your own brand - partner.
Your users already trust you with their assets. Give them a reason to keep them with you.
Your platform becomes more than a place to buy, sell, and hold. It becomes a credit platform.
You bring the platform. Heartbit brings the credit engine. Together, you launch the product your customers already need.
A neutral, pure-infrastructure engine - by design.
The category is real, and the closest comparable is already live - which is exactly what defines the gap Heartbit fills. We compete on a cleaner boundary, deeper configuration, and a first-class operational-control surface.
Never custody, funding, or lender-of-record.
A neutral layer never competes with its partners, sidesteps the heaviest regulatory burdens, and gives each partner a clean, defensible line - so adoption carries no channel conflict.
Product envelopes, certification, governance.
Deep product-envelope and proposal-builder configuration with a certification gate and maker-checker governance - flexibility without rebuilding the core.
A command-centre, not a dashboard.
Oracle health, circuit breakers, exposure and concentration caps, incidents, and a full evidence trail - the surface risk and compliance teams need to say yes.
The closest direct comparable is ahead on traction and credentials today. Heartbit's opening is the neutral, pure-infrastructure alternative - and the funds raised pay for the credentials that close the gap.
We are raising to reach a production engine and a first live partner.
The engine and portals are built; Heartbit is roughly a month from a pilot-ready product. This round funds the short, front-loaded path to production - and ends at a strong, fundable position. Go-to-market is scoped for a later round, raised from proven traction.
Lean funding, to a fundable milestone.
Figures are built bottom-up; pricing and costs are planning estimates. The first raise delivers Milestones 1-2 - the production-ready engine and the first partner live.
Takes Heartbit to a production-ready engine, the first partner live, and SOC 2 Type 1 - the strongest position from which to raise the next round.
Finalizes the MVP for a first exchange pilot, if minimal dilution now is preferred.
Fully-loaded team, office, tooling, and cloud. One-time setup is kept separate from this recurring rate.
Two founder-engineers, one software & QA engineer, and a part-time UX/UI designer - low burn while the engine is hardened.
Four milestones. The funds raised cover the first two.
The build milestones are short and front-loaded. Later go-to-market milestones are funded by a subsequent round, scoped from a position of proven traction - cheaper to fund and far less dilutive.
MVP / POC
Finalize the core engine for a live pilot: configurable product, full lifecycle, operator console, partner API, one collateral asset.
Harden & scale
Production hardening: full liquidation workflow, oracle health, circuit breakers, security, SOC 2 Type 1 + pen test, insurance.
GTM planning
Commercial motion: pricing, sales materials, integration playbooks, reference cases, partnership pipeline.
GTM execution
Sign and onboard partners, scale loan volume, grow recurring revenue.
The funds raised end at a production-ready engine, first partner live, and SOC 2 Type 1. Scaling go-to-market is far cheaper and less dilutive to fund once the product is proven.
Founder-led - and built by the engineers who run it.
Heartbit is run by its two founders, both lead engineers. The funded team for Milestones 1-2 is the two of them, one software engineer, and a part-time designer.
Two software engineers with a decade in the industry and a deep, hands-on understanding of crypto-backed lending. They architect and build the highest-risk parts of the engine - the lifecycle, risk logic, and integration rails - themselves.
Between them they are raising seven children - they build for the long term, not a quick exit.
Go-to-market and commercial hires are planned for the later round.
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