Ontoro provides short-term, asset-backed business loans secured by Bitcoin, enabling companies and professional investors to unlock liquidity without selling their cryptocurrency. The platform offers same-day approvals, institutional-grade custody through Fireblocks and BitGo, and a streamlined application process. Ontoro focuses exclusively on commercial and wholesale borrowers, allowing them to preserve their Bitcoin exposure while accessing cash for business purposes.
- Blockchain & Cryptocurrency
- Financial Technology
- Software Only
Funding
Funding not disclosed
Founders
Product
Problem
Businesses holding significant digital assets, particularly Bitcoin, face a gap between their wealth and access to traditional financing. Conventional lenders have been slow to accept crypto as collateral, leaving companies unable to unlock their digital wealth without triggering a taxable sale and losing future upside.
Solution
Ontoro offers short-term, asset-backed loans using Bitcoin as collateral, allowing businesses to access cash without selling their holdings. The platform provides fast approvals, typically within 24 hours, and competitive rates backed by institutional-grade security. Borrowers retain full ownership of their Bitcoin, which is held in insured, segregated custody through partners like Fireblocks and BitGo, never lent, traded, or reused. This approach enables businesses to use their digital assets for growth while avoiding capital gains taxes and preserving their long-term exposure to Bitcoin's price appreciation.
Target Audience
Primary customers are commercial and wholesale clients in Australia, including companies, trusts, and professional investors who hold Bitcoin and seek business-purpose financing without triggering capital gains events.
Features
- Same-day loan approvals with a fully online application process and decisions within 24 hours
- Institutional-grade custody via Fireblocks' multi-signature encryption, SOC 2 compliance, and insured cold-storage protocols
- Collateral held with BitGo under multi-signature protection, with segregated asset storage for each borrower
- Loan-to-value ratios up to 50% of pledged Bitcoin, with clear LVR and liquidation threshold monitoring
- Compliant operations under Australia's AML/CTF framework, including KYC verification and source-of-funds checks
- Interest on loans may be tax-deductible for borrowers against other income sources