Sber Issues First Cryptocurrency-Backed Loan

RBK-cryptoPublicado em 2025-12-26Última atualização em 2025-12-26

Resumo

Sberbank has conducted a pilot transaction by issuing a loan to the Russian mining company "Intellion," using the miner's own cryptocurrency as collateral. The bank utilized its proprietary cryptocurrency storage solution, which incorporates the "Rutoken" hardware system. Sberbank estimates that such a product will be relevant not only for miners but also for any companies holding crypto assets. Earlier, Anatoly Popov, Deputy Chairman of Sberbank's Management Board, stated in an interview that the bank already offers clients structured bonds and digital financial assets (DFAs) with exposure to Bitcoin, Ethereum, and baskets of crypto assets. The bank is testing DeFi instruments and supports the gradual legalization of cryptocurrencies within the Russian regulatory framework. A similar practice is emerging in the United States. In October, Bloomberg reported that JPMorgan Chase plans to allow institutional clients to use Bitcoin and Ethereum directly as loan collateral, with the cryptocurrencies held by a third-party custodian. This new service expands on the bank's existing practice of accepting shares of crypto ETFs as collateral. Furthermore, Bloomberg reported that JPMorgan plans to begin offering cryptocurrency trading to its institutional clients, a move attributed to growing client interest following regulatory changes in the U.S.

Sberbank has conducted a pilot deal to provide a loan to the Russian mining company "Intellion," according to the bank's website. The loan was secured by cryptocurrency mined by the company itself, the credit institution stated.

In the transaction, Sber used its own development for storing cryptocurrency, utilizing the "Rutoken" hardware solution.

According to the bank's assessment, such a product will be relevant not only for miners but also for any companies that own crypto assets.

Earlier, Anatoly Popov, Deputy Chairman of the Board of Sberbank, stated in an interview with "RBC-Crypto" that the bank already offers clients structured bonds and digital financial assets (DFAs) with investments in Bitcoin, Ether, and baskets of crypto assets, is testing DeFi tools, and supports the gradual legalization of cryptocurrencies within the Russian legal framework.

A similar practice is emerging simultaneously on the American market. In October, Bloomberg, citing sources, reported that the largest U.S. bank, JPMorgan Chase, plans to allow institutional clients to use Bitcoin and Ethereum directly as collateral for loans. The cryptocurrencies will be held by a third-party custodian company. The new service expands the bank's existing practice: in June, JPMorgan began accepting shares of cryptocurrency ETFs as collateral.

Earlier this week, Bloomberg reported that JPMorgan plans to begin offering cryptocurrency trading to its institutional clients. The publication's sources linked this to the growing interest from the bank's clients following regulatory developments in the U.S.

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Perguntas relacionadas

QWhich Russian bank issued the first cryptocurrency-backed loan?

ASberbank (Sber) issued the first cryptocurrency-backed loan.

QWhat was the name of the Russian mining company that received the pilot loan from Sber?

AThe Russian mining company that received the pilot loan is called 'Intilion'.

QWhat technology did Sber use to store the cryptocurrency collateral for the loan?

ASber used its own development for storing cryptocurrency, which utilizes the 'Rutoken' hardware solution.

QWhich major US bank is also developing a similar service to allow institutional clients to use Bitcoin and Ethereum as loan collateral?

AJPMorgan Chase, the largest bank in the US, is planning to allow institutional clients to use Bitcoin and Ethereum as collateral for loans.

QAccording to the article, what other crypto-related financial products is Sberbank already offering to clients?

ASberbank is already offering clients structured bonds and digital financial assets (DFAs) with investments in Bitcoin, Ethereum, and baskets of cryptoassets. They are also testing DeFi tools.

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