Pre-approved, collateral-backed credit lines that scale with your private settlement network’s health score and account balances.
Credit limit tied to real-time transaction volume, collateral levels, and compliance score.
Borrow via API or dashboard; funds land in your named account in seconds.
Floating APR based on utilization and network performance.
Sweep from revenues or scheduled repayments; prioritize high-yield flows.
Scale your credit line up or down based on your network activity - no rigid ceilings or hidden penalties."
Track utilization, repayment schedules, and credit health in real-time with proactive alerts.
Borrow and repay seamlessly in USD, EUR, GBP, and more - aligned with your operating needs.
Earn from your network by participating in settlement and credit flows.
Building credit lines traditionally requires collateral and lengthy reviews.
Securely link your counterparties and settlement accounts to Bylateral. Your live transaction data becomes your credit profile.
Turn your network into instant creditworthiness.
Traditional credit checks are slow, collateral-heavy, and outdated.
Bylateral uses your transaction network and settlement activity to generate real-time credit decisions. No paperwork, no delays.
Get assessed instantly — credit ready in minutes.
Legacy rails delay access to capital by days or weeks.
Borrow directly into your Bylateral account. Access liquidity via API or dashboard, anytime you need it.
Funds available in under 24 hours.
Bylateral isn’t a retrofit of banking rails. It’s purpose-built for the way modern financial institutions operate and manage their money.
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With Bylateral, every credit drawdown strengthens the ecosystem. Liquidity providers and network participants share in revenues generated by lending activity, aligning incentives across the entire settlement network.
- Share in revenues from institutional credit drawdowns.
- Transparent, health-based underwriting reduces default exposure.
- Ongoing yield as long as network credit is utilized.
- Incentivize your counterparties to join and transact.
- Every loan generates revenue share for the originating network.
- The larger your network, the greater your upside.
- Aligned incentives drive deeper liquidity.
- Stronger networks attract higher-quality counterparties.
- Credit activity strengthens everyone, not just the borrower.
Risk management is hardwired into Bylateral’s credit infrastructure
Health-Based Underwriting — Credit lines adjust in real-time based on transaction volume, collateral levels, and compliance metrics.
AI-Driven Monitoring — Ongoing analysis of flows and counterparties ensures early detection of risks.
Segregated Accounts — All client funds and credit lines are managed in compliance-first structures, reducing counterparty exposure.
Privacy by Design — Sensitive data never leaves the secure network layer.
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