BTC Now
Lender of Record Partnership
Bitcoin Installment Purchase Program
Confidential — Bank Partner Presentation
01
$2.2T
Bitcoin Market Cap — Zero Institutional Credit
Bitcoin is the fastest-growing asset class with no bank-originated credit product. BTC Now brings the first compliant, bank-originated Bitcoin installment product to market.
For the Bank
New fee revenue stream
Risk
Zero balance sheet exposure
Market
$440B+ addressable
02
The Lender of Record Model
Same proven model as Affirm, Klarna — new asset class
1
Bank Originates
Installment plan originated through BTC Now platform using bank's existing lending licenses. All 50 U.S. states.
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2
3-7 Day Hold
Bank holds on balance sheet for 3-7 business days. Standard seasoning period. Minimal exposure window.
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3
BTC Now Purchases
BTC Now purchases 100% of originated plans. Bank retains zero residual risk. Pure fee income.
03
Credit Box Parameters
Conservative underwriting with 5-tier credit structure
Credit TierFICO RangeAPRExample ($100K)
Tier 1750+10%$110,000
Tier 2700–74912%$112,000
Tier 3670–69914%$114,000
Tier 4640–66916%$116,000
Tier 5620–63918%$118,000
Eligible Borrowers
U.S. residents, 18+, natural persons
Plan Terms
4 – 120 months
Payment Range
$50 – $10,000/month
Collateral
100% Bitcoin-backed
Compliance
KYC/AML/OFAC via Plaid, Bloom Credit reporting
04
Bitcoin Purchase Financing
BTC price $100,000 • 15% APR • 1% origination fee
AmountMonthly Payment12 Month60 Month120 Month
0.25 BTC—$2,256$595$403
0.5 BTC—$4,513$1,190$807
0.75 BTC—$6,769$1,784$1,210
1 BTC—$9,026$2,379$1,613
Standard Loan Example
$1,121
/month on $70K BTC at 15% APR
Term
120mo
10-year maximum term
Total Interest
$64,477
on $70K loan over 10 years
Total Payments
$134K
lifetime value per loan
05
Product Roadmap
Flagship product at launch with expansion into adjacent verticals
Launching Q2 2026
Bitcoin Installment Purchase Plan
Fixed monthly payments to acquire Bitcoin. Non-recourse, fully collateralized, credit-bureau reported. 4–120 month terms.
Coming Soon
Bitcoin-Backed Line of Credit
Revolving credit facility secured by existing BTC holdings.
Coming Soon
Bitcoin Savings Plans
Automated accumulation programs with scheduled purchases.
Future
Wealth & Investment
Wealth management and investment products for high-net-worth Bitcoin holders.
06
Technology Platform
Institutional-grade infrastructure — bank provides the license, BTC Now provides everything else
Customer Layer
BTC Now Consumer Portal
Web + Mobile Application
10-Step Digital Onboarding
5-Min KYC Decisioning
↓
BTC Now Integration Layer
Fireblocks API (Custody)
Kraken API (BTC Acquisition)
USDC Payments
Customer Portal API
Webhook Engine
↓
LoanPro Backend Servicing
Loan Servicing
Payment Processing
Workflow Engine
Reporting & Analytics
33 Functional Requirements
↓
Third-Party Integrations
Repay (ACH/Card)
Bloom Credit (Bureau Reporting)
Plaid (KYC/Banking)
Fireblocks Trust (Custody)
07
Flow of Funds
Consumer Payment Flow
1
Consumer applies on btcnow.com, completes KYC via Plaid
2
Bank accounts connected for income verification & payment ability
3
Payment via PCI-compliant processor (LoanPro / Repay)
4
Monthly payments flow to master account at Lender of Record
5
Disbursed weekly to Loan Note Holder
Methods: Wire, ACH, Debit/Credit Cards, USDC
Lender of Record Flow
1
BTC Now deposits underwriting fund with Bank Partner ($25M initial)
2
Consumer signs loan with Bank Partner
3
Bank purchases BTC on Kraken via BTC Now platform
4
BTC sent to Fireblocks Trust Company — escrow custody
5
BTC Now purchases loan from bank within 3-7 business days
Zero balance sheet exposure to the bank
08
Loan Outcome Scenarios
$70,000 loan at 15% APR — non-recourse structure protects all parties
Bitcoin Moons
Exit Month 24 — BTC $200K
BTC Value: $200,000
Principal: $63,100
Yield Maintenance: $39,800
Settlement: $102,900
Customer receives ~$97K in BTC surplus
Bitcoin Flat
Full Term — 120 Months
Total Payments: $134,477
BTC Transferred: $70,000
Yield Maintenance: None
Standard loan performance
Lender earns $64K interest — 15% return
Bitcoin Crashes
Exit Month 24 — BTC $20K
BTC Liquidated: $20,000
Prior Payments: $26,881
Total Recovery: $46,881
Shortfall: reported to bureaus
Non-recourse: no legal action against borrower
09
Capital Velocity — Lender Returns
Yield maintenance accelerates returns on early exits — capital redeploys immediately
Exit MonthRemaining BalanceYM FeeTotal CollectedAnnualized Return
Month 6$68,450$47,800$116,250~95%
Month 12$66,800$45,200$112,000~60%
Month 24$63,100$39,800$102,900~32%
Month 36$58,900$33,900$92,800~24%
Month 60$48,600$21,000$69,600~15%
Month 120$0$0$134,477~15%
Treasury discount rate assumed at 4.5% — $70,000 deployed per loan
10
What BTC Now Brings
Bank provides the license — BTC Now provides everything else
KYC/AML/OFAC
Fully automated screening via Plaid. Sanctions and watchlist checks on every applicant.
Credit Integration
Soft and hard pull integration via Bloom Credit. Default registration and bureau reporting.
Underwriting Capital
BTC Now funds all loans. Bank does NOT expose its balance sheet in this program.
Full Team
Marketing, sales, technical, and legal teams fully staffed. Zero operational burden on bank.
Loan Operations
Automated payment processing, reconciliation, loan lifecycle management, and collections.
Rapid Loan Purchase
Every loan note purchased from bank within 3-7 business days. Minimal balance sheet exposure.
11
Risk Mitigations for Bank Partner
Risk profile equivalent to existing LOR partnerships
Capital Risk
Zero
BTC Now underwrites all loans. Bank provides license only. All credit risk transferred within days.
Legal Framework
Collaborative
Baker Donelson builds credit policy and loan agreements. Both parties approve all compliance procedures before launch.
Compliance
Technically Enforced
AML/KYC/OFAC policies enforced at the code level. Automated audit trail on every transaction and decision.
Bitcoin Custody
Insured Custodian
All Bitcoin held at Fireblocks Trust Company. Segregated wallets per customer. No pooling or commingling of assets.
Non-recourse structure protects all parties
Loans purchased from bank balance sheet within 3-7 business days of seasoning
12
The Ask
1
50-State Licensing
A partner bank that can issue consumer loans in all 50 U.S. states under existing licenses.
2
Regulatory Engagement
Willingness to engage and obtain regulatory approval or a letter of no objections for the program.
3
Dedicated Team
Small dedicated team inside the bank to run the program. Revenue share on origination fees.
0%
Balance Sheet Risk
Fee
Revenue Model
3-7d
Hold Period
13
Partners & Technology Stack
Institutional-grade infrastructure from day one
Plaid
KYC/AML/Sanctions screening + bank data for underwriting
LoanPro
Loan origination, compliance, servicing, payment management
btcnow.com
Consumer-facing platform for loan & Bitcoin management
Kraken
Bitcoin purchasing & exchange connectivity
Fireblocks Trust
Secure Bitcoin custody (insured, segregated wallets)
BTC Now Inc
Underwriting liquidity & loan note purchasing
Repay
ACH, debit, credit card payment processing
Bloom Credit
Credit bureau reporting (Metro 2 format)
Legal Counsel: Baker Donelson — Anastasia Stull / R. Colgate Selden • Banking & Regulatory Compliance
14
Origination Projections (Conservative)
50M Americans own crypto & fit credit profile — $1B closed-end fund caps Year 1
Months 1–3
$25M
Months 3–6
$25M/mo
Months 6–12
$50M/mo
Year 2+
$100M+/mo
Securitization requires 6–12 month loan seasoning. Volume scales significantly in Year 2 once ABS framework is proven and capital recycling begins.
$1B
Closed-End Fund Cap
50M
Addressable Market
50
U.S. States at Launch
15
Team & Advisors
Core team: 10–15 years executing together across regulated funds, sovereign debt & trading infrastructure
Marc Dumpff
CEO & Capital Markets
Sovereign debt, regulated funds (FMA/CIMA/ECB). Liechtenstein hedge fund at 20. HK advisory HK$1B+. Associate Partner Noviganto (ECB/IMF/World Bank).
Evan Kalimtzis
CIO & Securitization
25+ yrs structured credit. MD & Co-Head JP Morgan CIO SPAR ($400B). Founded Asteri Capital ($550M Glencore-seeded). PhD Program Finance Columbia.
Peter D. Howard
CRO & Structured Products
20+ yrs ABS. $10B+ portfolio Peloton Partners. Head ABS/CMBS Dresdner Kleinwort. $2.5B BNP Paribas. FINRA Series 7 & 66. MBA NYU Stern.
James Michael Alder
COO & Fund Structuring
30+ yrs financial structuring. 25% avg annual yield Mulberry Commercial. Regulated fund director (Cayman/Liechtenstein/Switzerland).
Korneliusz Caputa
CTO & Infrastructure
15+ yrs FinTech/Web3. Co-Founder Makers’ Den. Scaled Axo.trade 10k+ DAU. Klarna advisory. MSc CS.
Mateusz Goslinowski
Head Credit Risk & Quant (Key Hire)
5+ yrs Standard Chartered: counterparty credit risk, regulatory reporting. Built Axo DEX matching engine. Double BSc Maths & CS, Warsaw.
Anastasia Stull
Baker Donelson — Legal
Banking & regulatory compliance. Consumer lending programs, bank partnership structures, state licensing strategy.
R. Colgate Selden
Baker Donelson — Legal
Banking regulation & financial services. Credit policy design, loan agreement drafting, regulatory engagement.
BTC Now
The Future of Bitcoin Finance
marc@btcnow.com
Confidential — Not for Distribution