How Lava for Business works

Lava for Business gives your company an account with the same products individuals use: borrow dollars against company bitcoin, earn yield on idle USD, buy and sell bitcoin with no platform fee, and move money across borders.

How it works

1. Open the account. Email concierge@lava.xyz, and Lava’s team will help you set up a Lava Business Account.

2. Fund it. Deposit from your bank or send stablecoins. Everything lands in one USD balance. Routes and fees are in how stablecoin and bank transfers work on Lava.

3. Use what your business needs.

   • Borrow. Draw dollars from a bitcoin line of credit (BLOC) with the company’s bitcoin as collateral, for payroll, inventory or working capital, without selling it.

   • Earn. Move idle cash into the Lava Yield Account, where it funds over-collateralized bitcoin-backed loans. Yield is paid daily, compounds monthly, and you can withdraw at any time.

   • Buy and sell bitcoin. Trade from your USD balance, or use Lava’s OTC desk for larger orders. See how to buy and sell bitcoin on Lava.

   • Move money. Send stablecoins 24/7, deposit from your bank in USD, EUR or MXN, and withdraw to USD or EUR bank accounts.

4. Talk to a person. Lava’s 24/7 US-based client services team helps with onboarding, funding, borrowing, custody and transfers.

Lava Card isn’t available on business accounts yet. Lava lists it as coming soon, to let companies spend from the USD balance and earn bitcoin back on expenses.

Costs and fees

• BLOC: fixed rates from 6.50% to 8.50% depending on your line of credit balance, fixed for one year after you open the line. Interest compounds daily and is added to your balance. A 2% capital charge applies to the largest balance you carry during the year. There are no origination fees, early repayment fees or required monthly payments.

• Lava Yield Account: currently 6.5% APY. The rate is variable and shown in the app.

• Buying and selling bitcoin: no platform fee and no spread.

• Transfers: same-day ACH costs 1.25% and a domestic wire $25. Regular ACH, SEPA and SPEI carry no transfer fee.

Risks and limits

• A BLOC can be liquidated. Draws start at up to 60% loan-to-value (LTV), the loan balance as a share of your collateral’s value. If bitcoin falls to your liquidation price, the line is liquidated in full and no collateral is returned. Lava sends alerts as LTV rises, and you can add collateral or repay to lower it. Liquidation Protection can move bitcoin from your available balance into collateral automatically; the app shows the threshold that triggers it.

• Unpaid interest grows the balance. With no required payments, interest compounds onto the loan and pushes LTV up over time.

• Yield can change. The APY is variable. Money in the Lava Yield Account is lent to bitcoin-backed borrowers, so unlike your available USD balance, it isn’t held in 1:1 reserves. It is not a bank account.

• Other balances are held separately. Available USD is backed 1:1 by US dollar-denominated reserve assets in segregated, bankruptcy-remote accounts. Bitcoin sits in segregated cold-storage addresses and is not lent out, traded or rehypothecated.

Who it’s for

Lava for Business fits companies that hold bitcoin as a long-term treasury asset and need dollars without selling it. It also suits businesses with idle cash they want to earn on while keeping it available, and teams that pay or get paid across borders. If you need a larger facility, custom loan documents or qualified custody, look at Lava Prime.

Learn more on the Lava for Business page.