Enness Global assisted a high-net-worth Spanish national and Dubai resident in securing a circa £3 million crypto-backed loan for the purchase of a luxury property in Spain.
The client held a substantial Bitcoin portfolio and was seeking a non-recourse loan that would allow them to release capital without selling their crypto holdings.
We arranged a two-year fixed-term facility at a commercially favourable rate and structured at 70% loan-to-value (LTV).
The primary challenge was speed and execution. The client faced a tight two-week deadline to complete the purchase. Traditional lending routes could not accommodate this timeline, particularly given the complexities of crypto financing and asset-backed lending.
Our team worked swiftly to secure terms and complete the transaction in just one and a half weeks, enabling the client to draw down the full circa £3 million within their deadline.
We structured a bespoke, non-recourse crypto loan secured against the client’s Bitcoin holdings, ensuring their digital assets remained intact. The coins were held in custody with a tier-1 exchange, providing full asset security and no rehypothecation. This meant the client’s crypto remained safely segregated throughout the loan term.
Unlike a traditional mortgage or property loan, crypto-backed loans allow borrowers to leverage digital assets to unlock liquidity while maintaining long-term exposure to cryptocurrency. With the growth of the crypto lending industry, there is now a broader range of secure, regulated, and flexible crypto lending options available to high-net-worth individuals (HNWIs) and ultra-high-net-worth individuals (UHNWIs) alike.
By structuring this Bitcoin-backed facility, the client was able to purchase their Spanish property quickly and efficiently, without liquidating any crypto holdings. The fixed annual rate, non-recourse terms, and 70% LTV represented an exceptionally competitive arrangement within the luxury crypto finance market.
This case demonstrates Enness Global’s expertise in securing complex, high-value crypto loans for international clients with tight deadlines, bridging the gap between digital wealth and real-world property investments.
Disclaimer: This case study does not constitute financial advice and Enness do not give advice or recommendations on securities or crypto backing financing. We recommend seeking the advice of a wealth manager or professional adviser before investing in digital currencies.
Cryptoassets are high risk, and you could lose all the money you invest. They are highly volatile, and you are unlikely to be protected if something goes wrong. Crypto-backed lending also carries risks, including potential loss of value if the underlying cryptoasset decreases in value.
Enness does not give advice on Securities Backed Lending or investments, and lender introductions are unregulated. This case study is for information and illustrative purposes only and nothing contain within should be construed as advice or a recommendation and is not an invitation to buy or sell securities.
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Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
