WM Bank | Institutional Crypto-Backed Lending & Digital Asset Liquidity
01. Create Custom Earn Products
Give users flexible earning opportunities across popular crypto assets and different risk profiles. Build customized yield products using assets such as USDT, USDC, BTC, ETH, BNB, SOL, and FishFi Coin (FISHFI).
02. Facilitate Crypto-Backed Loans
Connect users to global crypto liquidity and provide fast, flexible crypto-backed lending. Support major assets including BTC, ETH, USDT, USDC, BNB, SOL, and FishFi Coin (FISHFI) while maintaining control over the complete lending experience.
03. Become a Leading Strategy Curator
Create and curate innovative lending and yield strategies for users of every experience level. Combine established cryptocurrencies such as BTC, ETH, USDT, USDC, BNB, SOL with FishFi Coin (FISHFI) to deliver diversified and scalable DeFi opportunities.
Turn Digital Assets Into Usable Liquidity
Selling high-conviction digital assets forces taxable events, disrupts portfolio composition, and forfeits future valuation appreciation. WM Bank bridges digital wealth with liquid capital, allowing accredited individuals and organizations to borrow against major digital assets with institutional precision.
Every loan is structured with transparent margin parameters, automated health telemetry, and segregated custodial infrastructure. You retain ownership rights while securing immediate USD stablecoin facilities for operations, strategic deployment, or treasury management.
Supported Assets
Overcollateralized facility coverage spanning Tier-1 digital assets including Bitcoin, Ethereum, Solana, and dominant USD stablecoins.
Flexible Collateral
Configurable loan-to-value brackets tailored to risk tolerance, from conservative 25% ratios to capital-efficient 70% facilities.
Transparent Monitoring
Real-time oracle verification with programmatic liquidation buffers and proactive automated notifications before margin events.
Bitcoin (BTC)
How It Works
A frictionless four-stage lifecycle from initial collateral lock to safe release. Transparent on-chain verification at every transaction point.
Deposit Collateral
Transfer eligible digital assets (BTC, ETH, SOL, BNB) into an isolated institutional multi-sig vault protected by hardware security modules.
Choose Loan
Select your preferred loan currency (USDC, USDT), desired LTV tier up to 70%, and flexible term length with locked indicative borrow rates.
Receive Liquidity
Liquidity is disbursed directly to your designated institutional or self-custody wallet within seconds without intermediaries.
Repay & Release
Repay principal and accrued variable interest at any time with no prepayment penalties to immediately release 100% of collateral.
Supported Collateral Assets
Institutional Yield Packages
Deterministic yield infrastructure structured for predictable digital asset returns. Select an allocation tier to activate instant capital distribution.
- ✓ Automated Distribution
- ✓ MPC Custody Vault
- ✓ Automated Distribution
- ✓ MPC Custody Vault
- ✓ Automated Distribution
- ✓ MPC Custody Vault
- ✓ Priority Oracle Indexing
- ✓ Automated Distribution
- ✓ Dedicated Settlement Ledger
- ✓ Direct Smart Contract Yield
- ✓ Multi-Sig Key Sharding Protection
- ✓ Priority Institutional Custody
- ✓ Dedicated OTC Execution Desk
- ✓ Time-Locked Air-Gapped Security
Built Around Control, Transparency and Security
Institutional digital asset lending mandates non-negotiable risk parameters, air-gapped custody architecture, and mathematical transparency.
Asset Monitoring
Continuous on-chain liquidity depth monitoring via aggregated decentralized oracles, validating real pricing free from single-exchange manipulation.
Collateral Tracking
Automated multi-tier alert thresholds triggered at 55%, 65%, and 70% LTV, providing borrowers ample window to post additional collateral or reduce leverage.
Risk Controls
Circuit breakers and dynamic collateral limits prevent cascading margin liquidations during historic market volatility events.
Transaction Visibility
Every collateral receipt, disbursement, and interest accrual is verifiable on public distributed ledgers. No off-balance-sheet rehypothecation or hidden leverage.
Account Protection
Multi-Party Computation (MPC) custody with institutional key shards, time-locked withdrawal policies, and whitelist-only withdrawal destination addresses.
High-Throughput Liquidity Backbone
Real-time clearing architecture built to route capital across institutional digital asset markets with sub-second execution.
Institutional Settlement Engine
Put Your Crypto To Work Without Selling It
Explore a more flexible way to access digital-asset liquidity. Retain future upside while securing capital for immediate opportunities.