Frequently asked questions
Explore answers to top questions about borrowing, lending, and multi-sig security on the Valuete Marketplace™.
Table of contents
Navigate by category or explore the full knowledge base below.
General
2 questions
Security
2 questions
Liquidation
2 questions
Others
2 questions
General
How does Valuete compare to other centralized crypto-backed lending platforms?
Investor protection, security, and legal clarity are foundational. We use 2-of-3 multi-sig wallets to store Bitcoin collateral, eliminating rehypothecation risk while keeping funds observable on-chain.
What is the minimum collateral requirement?
Loans remain over-collateralized with a minimum 150% collateral ratio. Automated triggers notify borrowers long before liquidation scenarios.
Security
How are multi-sig keys managed?
Borrower, lender, and Valuete each control a private key. Two signatures are required for any transaction, preventing unilateral fund movement.
What operational safeguards are in place?
Our infrastructure is ISO/IEC 27001 certified, supported by SOC coverage, immutable audit trails, and insured hardware security modules.
Liquidation
When does a margin call occur?
Borrowers receive notifications at 65% LTV and face margin requirements at 70% LTV, with 72 hours to respond before liquidation rights are exercised.
How is collateral liquidation handled?
At 80% LTV, lenders may initiate collateral sale to restore healthy ratios, following procedures defined in the security agreements.
Others
What onboarding documents are required?
Borrowers and lenders complete KYC/AML reviews and provide documentation requested by their counterparties to satisfy federal and state regulations.
Can I use my own legal agreements?
Yes. Transactions can leverage Valuete-provided templates or your own legal agreements, provided they align with platform requirements.