Crypto yield for your business, or users.

Getting started

Fast to start.

Most clients are live in weeks, not months. Both paths run on the same institutional book.

1. 01

   Discovery & terms

   Direct

   Scoping call. Complete the DDQ. KYB on your entity. Sign the lending agreement.

   API

   Mutual NDA. Alignment call on integration, channels and timeline. Commercial terms agreed in partnership setup.
2. 02

   Onboarding & access

   Direct

   KYB cleared. Where you act as principal for a client, the applicable KYC model and contractual structure are agreed during onboarding. Account opened and funding instructions issued.

   API

   Authentication credentials issued via secure share. Test and production settlement wallet addresses set up.
3. 03

   Fund / build & test

   Direct

   Transfer assets. We deploy into the book. Reporting access switched on.

   API

   Build the eight-endpoint integration. Complete acceptance testing in the sandbox.
4. 04

   Live

   Direct

   Capital is at work. We run the book, monitor risk and ship monthly statements.

   API

   Alliance Agreement signed. Production acceptance verified. You go live to your users.

FAQ

Questions worth asking before the first call.

• Who is Tesseract Lending for?⌄

  Two kinds of business: those that want yield on assets they hold (treasuries, funds, family offices, and intermediaries lending as principal for their clients), and platforms that want to offer their users yield (exchanges, neobanks, wallets). Either way, you get the custody, credit, and risk infrastructure without building it.

• What types of institutions can partner with Tesseract?⌄

  Custodians, crypto exchanges, wallet providers, fintechs, brokerages, wealth managers, and asset managers. We integrate into both regulated and non-regulated partner environments.

• What’s the difference between Direct and API?⌄

  Direct: we run the operations on our app. Put your own holdings to work (treasuries, funds, family offices, or as principal for a client), dealing with us directly, with no end-user layer. API: you build your own front-end and integrate via our API to offer your users yield. Both run on the same book.

• How long does onboarding take?⌄

  Most clients complete onboarding in 5 days to 2 weeks, depending on entity complexity and how quickly documentation comes together. KYB is approved within 2 business days of a clean submission. Direct accounts are typically live within a further 7 days or so. API integrations run 14–21 days, depending on your engineering capacity.

• How is yield generated?⌄

  Tesseract lends to a diversified book of reputable, creditworthy counterparties: CeFi desks, market-makers, and delta-neutral prop firms. The book is operated within a documented credit-risk framework, with position-level transparency surfaced in monthly reporting. Full detail is in the product fact sheet.

• How do you manage credit risk?⌄

  Our book is diversified across vetted institutional borrowers, each underwritten against a documented credit framework, with concentration limits, daily margin monitoring, and position-level reporting every month. Crypto lending’s failures came from the opposite: concentrated, opaque books run on trust. Capital is still at risk, and we’re clear about that: the structure is built to manage that risk, not to hide it.

• Is lending regulated?⌄

  No. Lending is provided by Tesseract Earn Oy (registered in Finland) and is not a regulated financial service. It is not covered by investor compensation, it is not a deposit, and your capital is at risk. This is separate from our MiCA-authorized services (Dedicated Client Vaults), provided by Tesseract Investment Oy.

• What does the commercial model look like?⌄

  Revenue is shared through either a rev-share or a spread model, agreed up front and structured to fit your commercial shape. We don’t publish rate cards. The first conversation is the right place to scope it. Typical first calls take thirty minutes.

• Why do we verify identities (KYB/KYC)?⌄

  Verification is a legal obligation under the EU AML Directives, FATF Recommendations, Finland’s national AML Act, and other applicable AML regulations. Beyond compliance, KYB and KYC protect both Tesseract and our partners from fraud, sanctions exposure, and counterparty risk.

• How long do you retain our KYB and KYC information?⌄

  Tesseract retains KYB and KYC records for up to 5 years, in line with EU Anti-Money Laundering Directive requirements and Finland’s national AML Act.

• Can we suspend or ban users on our side?⌄

  Yes. Partners retain this authority. Tesseract operates the lending book behind your platform; user lifecycle management (suspension, ban, account closure) stays with your team.

• How do I connect to the API?⌄

  Partner integrations use OAuth2 client-credentials (M2M) authentication. You’ll be issued a Client ID and Client Secret to exchange for bearer tokens. Detailed connection instructions are in the developer documentation portal.