Euro loans with Bitcoin as collateral
- Loan-to-value up to 50%
- Loan amounts from €10,000
Secure and regulated
Your Bitcoin remain your asset - held by a regulated partner in Europe.
Contracts are based on German law - the price development belongs to you.
About Lombardor
We unite two worlds: The freedom of Bitcoin – and the framework of European regulation.
Regulated in Germany
Lombardor holds the credit broker license according to §34c KWG. We are tested and licensed in Germany – for you this means: full transparency, reliability and legal certainty.
Collateral Guard – your shield
With the Collateral Guard you have the choice to additionally secure your collateral. This way you remain capable of action even in volatile markets – without the risk of forced liquidations.
Publicly funded
As the first German Bitcoin-only FinTech, Lombardor has received public funding.Through the InnoFinTech program of the city of Hamburg, we were supported with €200,000 – a clear signal for trust and recognition.
By Bitcoiners for Bitcoiners
We are an experienced team based in Hamburg - founded by Bitcoiners for Bitcoiners. Our claim: Develop financial solutions that combine the freedom of Bitcoin with the security of European regulation.
CEO
Former bank executive, investment banker, and strategy consultant. 25 years in the banking system.
CTO & Bitcoin Strategy
Early Bitcoiner. Computer scientist. Philosopher. Generalist. Keynote speaker. #ElementZero
Build Your Career at Lombardor
We are building Lombardor for Bitcoiners - and we are growing.Our goal: to shape tomorrow's financial system, where Bitcoin stands for freedom, and European regulation provides the framework for trust and adoption. If you are eager to take responsibility, work in a team, and at the same time drive things forward independently - then you are right with us. Become part of Lombardor and help us rethink Bitcoin-backed lending in Europe.
Working Student Legal & Compliance in Hamburg
Support Legal & COO in day-to-day operations, work on contracts and compliance topics, and gain insights into the heart of a regulated Bitcoin FinTech.
Business Development FinTech Startup
You are both strategist and doer: analyze markets, develop business cases and drive growth projects directly with CEO & COO.
Finance & Risk Manager FinTech Startup
Take responsibility for controlling, reporting and risk management – ensuring Lombardor is always finance- and investor-ready.
Customer Success & Operations Intelligence
Build bridges between clients, product and management: guide onboarding, optimize customer success processes, and develop KPI reports for growth.
From Bitcoin to Euro in five steps
This is what you should know
- The process from application to payout may take several business days.
- You must be of legal age and have a valid ID.
- You also need an IBAN bank account and a residence in the EU.
- The Bitcoin collateral must lawfully belong to you and be free of any third-party claims.
How we protect your Bitcoin
The secure custody and your legal ownership of your Bitcoin have the highest priority for us. For this we have taken comprehensive precautions – against unauthorized transactions, loss, theft, bankruptcy, commingling, repledging, reusing, and market manipulation.
Security
We place great emphasis on security: Your Bitcoin are stored during the entire loan term in cold storage with an independent, regulated custodian in Germany.
Transparency
Your Bitcoin collateral lies in a Multi-Signature wallet on the Bitcoin timechain – visible and verifiable at any time.
Protection
Even when Bitcoin markets get hectic: At Lombardor everything stays calm. With the optional Collateral Guard there is no margin call during the loan term. Your Bitcoin remain secure in cold storage until the end of the contract.
Don't sell your Bitcoin!
Live with a low-time-preference - and stay liquid at the same time. With Lombardor you find the golden path:Your Bitcoin remain your property, while you secure Euro liquidity – at interest rates that are well below the historical value appreciation of Bitcoin.
