While lenders may wish to accept crypto as collateral, they often lack the expertise or capability to actually hold it. The solution: Have BitGo manage the collateral as your triparty agent.BitGo Loan Servicing allows you to make crypto-backed loans by performing three, key functions on your behalf. Specifically, we:

  • Custody the assets in offline cold storage, so they’re safe from theft, loss, or misuse

  • Provide daily reporting

  • Handle margin calls and liquidations, as necessary

How loan servicing helps lenders

By making this type of agreement with borrowers, institutions can grow their loan book and potentially earn better terms on the deal. With BitGo Prime facilitating, you can:

  • Address operational and regulatory concerns. Bypass the normal challenges associated with holding crypto by relying on our expertise.

  • Ensure funds are held safely. BitGo serves as a qualified custodian, safeguarding the collateral in cold storage and holding up to $250M in insurance.

  • Simplify loan operations. BitGo handles margin calls, liquidations, and transfers, while providing daily reporting throughout the life of the loan.

Once set up, it’s also simple for lenders to scale this across multiple borrowers.One additional use case: For trading firms, BitGo can serve as your triparty, showing proof of funds when derivatives are posted as collateral.

How loan servicing helps borrowers

With BitGo Loan Servicing, borrowers get a better, safer experience.Normally, their collateral would be held by a counterparty who may not have the experience to keep their collateral safe.By entrusting their assets to BitGo as their custodian and triparty agent, borrowers can reduce counterparty risk, knowing their funds will be protected by a regulated entity.

How BitGo protects digital assets

The collateral we manage through BitGo Loan Servicing gets kept in our cold storage, meaning it’s held offline in a bank-grade vault. These funds are never commingled or rehypothecated, and can only be moved with appropriate authorization.This custody service is provided by one of our regulated trust companies, each of which serve as a “qualified custodian.” That means we:

  • Have a fiduciary duty to our clients

  • Hold client funds in segregated accounts

  • Meet rigorous regulatory standards and audits that help protect client funds against loss, theft, or misuse

BitGo also maintains $250M in insurance for wallets where we hold all the keys (as we do in cold storage).

How to get startedTo learn more about Loan Servicing, please contact sales@bitgo.com to start a conversation.

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About BitGo

BitGo is the digital asset infrastructure company, delivering custody, wallets, staking, trading, financing, and settlement services from regulated cold storage. Since our founding in 2013, we have been focused on accelerating the transition of the financial system to a digital asset economy. With a global presence and multiple regulated entities, BitGo serves thousands of institutions, including many of the industry's top brands, exchanges, and platforms, and millions of retail investors worldwide. For more information, visit www.bitgo.com.

©2026 BitGo, Inc. (collectively with its parent, affiliates, and subsidiaries, “BitGo”). All rights reserved. BitGo Bank & Trust, National Association (“BitGo Bank & Trust”) is a national trust bank chartered and regulated by the Office of the Comptroller of the Currency (OCC). BitGo Bank & Trust is a wholly-owned subsidiary of BitGo Holdings, Inc., a Delaware corporation headquartered in Sioux Falls, South Dakota. Other BitGo entities include BitGo, Inc. and BitGo Prime LLC, each of which is a separately operated affiliate of BitGo Bank & Trust. BitGo does not offer legal, tax, accounting, or investment advisory services. The information contained herein is for informational and marketing purposes only and should not be construed as legal, tax, or investment advice. Digital assets are subject to a high degree of risk, including the possible loss of the entire principal amount invested. Past performance and illustrative examples do not guarantee future results. BitGo Holdings, Inc., BitGo Bank & Trust, BitGo, Inc. and BitGo Prime LLC are not registered broker-dealers and are not members of the Securities Investor Protection Corporation (“SIPC”) or the Financial Industry Regulatory Authority (“FINRA”). Digital assets held in custody are not guaranteed by BitGo and are not subject to the insurance protections of the Federal Deposit Insurance Corporation (“FDIC”) or SIPC. This communication contains forward-looking statements. Forward-looking statements include all statements that are not historical facts. These statements may include words such as “aim,” “anticipate,” “assume,” “believe,” “contemplate,” “continue,” “could,” “estimate,” “expect,” “forecast,” “foreseeable,” “guidance,” “intend,” “likely,” “may,” “objectives,” “outlook,” “plan,” “potentially,” “predict,” “project,” “seek,” “should,” “target,” “will,” “would,” or variations of these terms and similar expressions. Such forward-looking statements are subject to various risks and uncertainties. Accordingly, there are or will be important factors that could cause actual outcomes or results to differ materially from those indicated in these statements. These factors include but are not limited to those described under “Risk Factors” in BitGo Holdings, Inc.’s registration statement on Form S-1, as amended, relating to the initial public offering. These factors should not be construed as exhaustive and should be read in conjunction with the other cautionary statements that are included in the registration statement. Although BitGo believes that the expectations reflected in its forward-looking statements are reasonable, it cannot guarantee future results. BitGo undertakes no obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise, except as required by law.