Built on trust
Licensed, regulated, and designed to protect your Bitcoin at every step.
About MoneyMe Block
MoneyMe Block is the crypto-backed lending division of MoneyMe Financial Group, one of Australia’s leading digital lenders. We combine institutional-grade cryptocurrency custody with regulated consumer lending to offer Australians a new way to access liquidity without selling their Bitcoin.
Regulatory compliance
MoneyMe Financial Group holds Australian Credit Licence (ACL 442218) and is registered with AUSTRAC for digital currency exchange services. All loans are originated under the National Consumer Credit Protection Act (NCCP), ensuring responsible lending practices and full consumer protections.
Custody model
All Bitcoin collateral is held in Fireblocks institutional custody with MPC (Multi-Party Computation) key management. Each loan has a segregated vault — your collateral is never commingled. Fireblocks provides insurance coverage and SOC 2 Type II certification.
Risk management
Our risk framework includes real-time LVR monitoring, proactive margin call alerts, a 48-hour cure period, and a circuit breaker that halts mass liquidation events for human review. Volatility-adjusted price oracles ensure fair valuations even during market stress.
SPV trust structure
Collateral is held within a Special Purpose Vehicle (SPV) trust structure, providing bankruptcy-remote protection and clear legal separation from MoneyMe’s balance sheet. This ensures your Bitcoin collateral is protected even in unlikely corporate scenarios.
Three layers of protection
Your Bitcoin is protected by institutional custody, legal structures, and operational safeguards
Institutional Custody
Fireblocks MPC (Multi-Party Computation) key management with segregated vaults per loan. No single point of failure for key access.
Legal Protection
SPV trust structure holds all collateral. PPSR security interest registered for every loan. Clear legal ownership and priority in all scenarios.
Operational Security
24/7 monitoring with hourly reconciliation. Circuit breaker halts mass liquidation (>20 loans or >10% of book). Co-signer hot standby with <30s failover.