Helio Lending
Helio Lending is an Australian CeFi aggregator that connects cryptocurrency holders with a panel of lenders to originate crypto-backed loans, using a proprietary Put and Call Options structure to eliminate margin calls and offer non-recourse downside protection.
- Company typePrivate
- Founded2017
- HeadquartersMelbourne, Australia
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Helio Lending does
Helio Lending operates a CeFi (Centralized Finance) aggregator platform that connects cryptocurrency holders with a panel of crypto lending partners to originate crypto-backed loans. Founded in 2017 and domiciled in Australia as HELIO LENDING PTY LTD, the platform enables borrowers to pledge Bitcoin, Ethereum, Litecoin, XRP or Tether as collateral, with loan-to-value ratios up to 70%, terms of up to 6–12 months, and stated interest rates starting at 3% on the website with detailed FAQs indicating a 13–18% APR range depending on LTV, collateral, and duration. The minimum loan size is $1,000 and the platform indicates no hard upper limit, citing a $10 million example. Distribution is digital-first: customers apply via the website, complete KYC verification, deposit collateral and receive stablecoin or fiat funding.
The company's technical architecture is built around three core differentiators: a multi-lender aggregation layer that compares structures and rates across partners; cold storage custody with insurance and multi-signature wallet protection for posted collateral (no rehypothecation); and a proprietary Put and Call Options structure that eliminates margin calls and provides qualified-loan non-recourse downside protection. Monitization combines upfront interest payments on the loan principal and aggregator economics from partner lenders; there is no subscription, no prepayment fee, and no monthly servicing component. The GTM motion is sales-led and inbound via SEO-optimized educational content, social channels (X, Facebook, LinkedIn, Instagram) and direct email inquiries, with a 'Share Helio with Friends' referral component at application.
Helio serves crypto asset holders seeking liquidity without triggering capital gains, plus secondary segments of crypto miners (operational capital), real estate investors (collateralized property financing) and business/corporate entities. The customer base evidenced in testimonials is entirely retail/SMB crypto HODLers; no enterprise or institutional concentration is disclosed. Leadership comprises John Frederick as CEO and Daniel Rohaley as COO. No funding rounds, M&A activity, institutional investors, or revenue figures are disclosed in available sources.
Helio Lending firmographics
Firmographics- Name
- Helio Lending
- Legal name
- HELIO LENDING PTY LTD
- Website
- https://heliolending.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Helio Lending is an Australian CeFi aggregator that connects cryptocurrency holders with a panel of lenders to originate crypto-backed loans, using a proprietary Put and Call Options structure to eliminate margin calls and offer non-recourse downside protection.
- Ownership category
- akta.pro rank
Helio Lending industry classification
Industry- Product category
- Cryptocurrency Lending
- NAICS
- Securities and Commodity Exchanges (52321)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)
- akta.pro primary industry
- Centralized Crypto Lending Platforms (CeFi) (FSADAFAA)
Keywords
Where Helio Lending is headquartered
LocationHeadquarters
- HQ city
- Melbourne
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Helio Lending business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Supply Chain
Revenue model
- Crypto Loan Interest: Helio earns interest on crypto-backed loans extended to customers. Interest rates range from 13% to 18% annually depending on loan amount, LTV ratio, collateral provided, and loan duration. Interest is paid as a one-off payment at the start of the loan, included in the loan amount.
- CeFi Aggregator Fees: As a CeFi aggregator, Helio earns fees by connecting borrowers with multiple crypto lending partners and negotiating competitive rates on behalf of users.
- Deposit Interest Earnings: Users can earn interest on all their crypto assets deposited with Helio's lending partners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Crypto Loan - Interest rates 13-18% APR |
| Transaction based/ take rate | Pay-as-you-go | Entry-level Crypto Loan - Starting at $1,000-$10,000 |
| Transaction based/ take rate | Pay-as-you-go | Premium/Business Crypto Loan - Up to $10 million+ |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Helio Lending product offering
Product offeringCore offering
Helio Lending is a CeFi aggregator that connects cryptocurrency holders with a panel of approved crypto lenders to provide crypto-backed loans. Borrowers can pledge BTC, ETH, LTC, XRP, or USDT as collateral and receive fiat or stablecoin funding up to 70% loan-to-value without credit checks or margin calls. Loan terms range from 1 month to 5 years, with flexible repayment and prepayment options, and collateral is held in cold storage under a non-recourse structure protected by put and call options.
Product overview
Helio Lending operates as a CeFi (Centralized Finance) aggregator platform offering a portfolio of crypto-backed loan products. The core platform aggregates loan structures from multiple cryptocurrency lenders and presents them through product-specific offerings including Bitcoin Loans, Ethereum Loans, Litecoin Loans, XRP Loans, and Tether Loans. Additional offerings include Instant Crypto Credit Lines for flexible borrowing. Users can borrow up to 70% LTV against their cryptocurrency collateral (BTC, ETH, LTC, XRP, USDT) with rates starting at 3%, terms up to 12 months for general crypto loans and 6 months for specific coin loans, with features including no margin calls, no rehypothecation, non-recourse downside protection, and no prepayment fees.
Differentiator
Problem solved
Functional benefit
Products and services
- Bitcoin (BTC) Loans
Quantifiable outcome
- Borrowers can access 70% LTV against crypto holdings without selling assets
- +2 more outcomes
Companies that use Helio Lending
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Helio Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Helio Lending partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
Helio Lending competitors and assessment
Company assessmentEmerging players
- Aave: Aave is a leading decentralized lending protocol that enables crypto-collateralized lending via smart contracts. Comparable to Helio as a competing venue for the same borrowers seeking crypto-backed loans, but operates non-custodially without intermediaries and typically at lower rates.
- Compound: Compound is a decentralized money market protocol enabling algorithmic crypto lending and borrowing. Comparable to Helio as it competes for the same crypto-collateralized lending demand, but operates via autonomous smart contracts rather than a centralized aggregator model.
Direct peers
- CoinLoan: CoinLoan is a CeFi crypto lending platform offering crypto-backed loans and interest accounts. Directly comparable to Helio as both target crypto holders seeking liquidity, accept multiple cryptocurrencies as collateral, and operate globally.
- YouHodler: YouHodler is a CeFi lending and fintech platform offering crypto-backed loans, savings accounts, and multi-asset collateral support. Directly comparable to Helio as both serve retail and institutional crypto holders with similar product structures and multi-coin collateral acceptance.
- Ledn: Ledn is a CeFi crypto lending platform focused primarily on Bitcoin-collateralized loans and yield products. Directly comparable to Helio as both provide crypto-backed consumer and business loans with no prepayment fees, multiple collateral types, and similar LTV ratios.
- Celsius Network: Celsius was a major CeFi crypto lending platform that offered crypto-backed loans and yield products before its 2022 bankruptcy. Directly comparable to Helio in product category and target customer, though serves as a cautionary tale about CeFi lending risk management.
- BlockFi: BlockFi was a major CeFi crypto lending platform that offered crypto-backed loans and interest accounts before restructuring in 2022-2023. Highly comparable to Helio in product offering (crypto-backed loans, interest accounts) though it serves as a cautionary precedent given its collapse.
- SALT Lending: SALT Lending is a crypto-backed lending platform using blockchain-based smart contracts to facilitate collateralized loans. Directly comparable to Helio as both offer crypto-collateralized loans to consumers and businesses with multi-asset support.
- Nexo: Nexo is a leading CeFi crypto lending platform offering crypto-backed loans, credit lines, and interest-bearing accounts. Directly comparable to Helio as both serve crypto holders seeking liquidity without selling assets, accept multiple cryptocurrencies as collateral, and offer competitive interest rates globally.
Broad incumbents
- Crypto.com Lending: Crypto.com is a broad CeFi platform offering crypto lending as part of a larger suite including exchange, cards, and DeFi wallet services. Comparable to Helio in the lending vertical but operates as a broader incumbent with much larger scale and brand recognition.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Helio Lending social profiles
Digital presenceHelio Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
Helio Lending leadership team
Management profileNumber of profiles
Profiles2 records
Helio Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Helio Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Helio Lending
What does Helio Lending do?
Helio Lending is a CeFi aggregator that connects cryptocurrency holders with a panel of approved crypto lenders to provide crypto-backed loans. Borrowers can pledge BTC, ETH, LTC, XRP, or USDT as collateral and receive fiat or stablecoin funding up to 70% loan-to-value without credit checks or margin calls. Loan terms range from 1 month to 5 years, with flexible repayment and prepayment options, and collateral is held in cold storage under a non-recourse structure protected by put and call options.
Is Helio Lending a public or private company?
Helio Lending is a private company. It is classified as unknown and is currently operating.
When was Helio Lending founded?
Helio Lending was founded in 2017. It employs 11 to 50 people.
Where is Helio Lending based?
Helio Lending is headquartered in Melbourne, Australia, in the Oceania region.
How does Helio Lending make money?
Three revenue lines are on record. Crypto Loan Interest is the primary driver. The others are ceFi Aggregator Fees and deposit Interest Earnings.
Who are Helio Lending's main competitors?
Emerging players on record are Aave and Compound. Direct peers are CoinLoan, YouHodler, Ledn, Celsius Network, BlockFi, SALT Lending and Nexo. Crypto.com Lending is listed as a broad incumbent.
Does Helio Lending have an API?
No public API is recorded for Helio Lending.
What industry is Helio Lending in?
Helio Lending's product category is Cryptocurrency Lending. Its primary akta.pro industry code is FSADAFAA, Centralized Crypto Lending Platforms (CeFi). Its NAICS code is 52321 and its SIC code is 6200.