Licensed, regulated, and designed to protect your Bitcoin at every step. MoneyMe Block is Australia's first fully regulated crypto-backed lending platform.
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.
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.
All Bitcoin collateral is held in Zodia Custody using HSM-based cold storage with M-of-N maker/checker approval. Each loan has a segregated vault - your collateral is never commingled. Zodia is ISO 27001:2022 and SOC 1 Type II certified and provides comprehensive insurance coverage.
Our risk framework includes real-time LVR monitoring, proactive margin call alerts, a 24-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.
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.
Every loan is protected by three independent layers of security - custody technology, legal structure, and operational safeguards.
We hold every licence and registration required to operate a consumer credit business in Australia, with crypto-custody infrastructure trusted globally.