BTC Collateral for XCU Liquidity
Use eligible digital assets to access XCU liquidity for global business payments.
Eligible businesses may use supported digital assets as collateral to access XCU liquidity for approved business payments, subject to availability and applicable requirements.
How It Works
COLLATERAL FLOW
BTC Collateral
Eligible digital asset deposited into vault
Collateral Vault
Custody and collateral recognition
Collateral Value
Market value assessed via approved price sources
Eligible XCU Liquidity
XCU capacity calculated from eligible collateral value
Global Trade Payment
XCU used to pay verified suppliers
KEY PRINCIPLE
XCU is the payment asset. BTC is an optional collateral asset.
XCU has a target reference value of US$1.00. BTC price movements affect collateral health, not the XCU target reference value.
Collateral Model
Collateral Asset
BTC (initial)
Future assets subject to approval
XCU Target Reference
1 XCU = US$1.00
Not affected by BTC price
Collateral Ratio
Configurable
Set by authorized risk administrators
Risk Haircut
Configurable
Applied to market value
EXAMPLE CALCULATION (SANDBOX ONLY)
Example parameters only. Production parameters are configurable by authorized risk administrators and are not published.
Risk Disclosure
BTC prices can move rapidly
The market value of BTC collateral can increase or decrease significantly in a short period. A decline in BTC price reduces your collateral value and collateral ratio.
Collateral value can decline
If the value of your BTC collateral declines, you may be required to add additional collateral or repay XCU to maintain the required collateral ratio.
Collateral may be liquidated
If your collateral ratio falls below the applicable threshold, your collateral position may be liquidated according to applicable terms. Losses are possible.
Losses are possible
You may lose some or all of your collateral. Do not use funds you cannot afford to lose as collateral.
Subject to jurisdiction and eligibility
XCU collateral services are subject to jurisdiction, eligibility and regulatory availability. Not all features may be available in your jurisdiction.
No guaranteed outcomes
XICUI does not guarantee that you will be able to avoid selling BTC or avoid tax consequences. Consult your own legal, tax, and financial advisors.
Keep your BTC. Pay your supplier.
Eligible businesses may use supported digital assets as collateral to access XCU liquidity for approved business payments, subject to availability and applicable requirements.
EXAMPLE TRANSACTION FLOW
The supplier does not see the buyer's BTC balance, collateral ratio, or financing details. This information is private.
All BTC collateral functionality is currently in sandbox mode. No real BTC is involved. Production activation requires satisfaction of applicable regulatory, legal, custody, and operational requirements.