BIVU loans have $3-5 of BTC, ETH, or BCH held for every $1 you lend. This dramatically reduces your risk as we can liquidate the collateral if it starts falling.
Despite that, rates are in the 10-16% range for 12 month loans depending on the amount of collateral.
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Security of funds and user information is our top priority. Our security team is continually improving our end-to-end security measures, improving auditing processes, and reducing the 'attack surface' of our infrastructure. Please note that we cannot disclose too many details of the security measures implemented on our platform for security and proprietary reasons.
Funds are stored in offline, cold wallets. As an added protection, the cold wallets are not available from the platform or the platform servers. The funds in offline cold storage require manual intervention by several members of our management to access.