What CEDEFI ANGELS INC does

CEDEFI Angels Inc, operating through its Australian legal entity C ANGELS PTY LTD, is a CeDeFi (Centralized-Decentralized Finance) platform founded in August 2017 and headquartered in West Perth, Australia. The company delivers crypto-backed lending, yield-generating interest accounts, and crypto exchange services to retail clients, SMEs, and institutional counterparties across more than 150 jurisdictions. The platform is FinCEN-registered, GDPR- and CCPA-compliant, and SOC 2 Type II audited, with client assets held in segregated multi-signature cold storage via BitGo and Fireblocks and insured under a $250M aggregate policy through Lloyd's of London syndicates.

The core product suite comprises three interconnected offerings: revolving crypto-backed credit lines from 4.9% APR with LTV up to 50%, fixed-term business loans from 5.4% APR, and bespoke institutional credit facilities with negotiated LTV up to 60% and a $250,000 minimum facility size. Interest Accounts provide yield of up to 12% APY on stablecoins (flexible or 1/3/6-month fixed terms) and 4.8-5.2% APY on BTC/ETH. The Lighter Exchange supports 200+ currency pairs with zero exchange commissions and an OTC block-trading desk for trades above $50,000. An automated LTV engine triggers margin calls at 85% and programmatic liquidation at 90%, with KYC/AML verification handled through Sumsub, Onfido, and Jumio.

The business model is anchored in net interest margin on over-collateralized lending, supported by rehypothecation yield on deployed collateral, OTC and exchange spread revenue (0.4%-1.2%), and ancillary transaction fees. GTM is hybrid: a self-serve digital platform with instant account creation and automated KYC for retail/SME, complemented by a dedicated institutional coverage team with relationship managers and API-based treasury integrations. With 250,000+ clients globally, zero security breaches since inception, and a 5+ year operational track record, the company positions itself as a regulated, insured alternative to both traditional finance and unregulated DeFi lending protocols.

Name

CEDEFI ANGELS INC

Legal name

C ANGELS PTY LTD

Website

https://cedefiangels.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

CEDEFI Angels is an Australian CeDeFi platform founded in 2017 that provides crypto-backed lending (4.9%+ APR), yield accounts (up to 12% APY), and crypto exchange services to 250,000+ retail, SME, and institutional clients across 150+ jurisdictions under FinCEN registration and $250M custody insurance.

Ownership category

akta.pro rank

Product category

Digital Asset Lending

NAICS

Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro primary industry

Centralized Crypto Lending Platforms (CeFi) (FSADAFAA)

akta.pro secondary industries

Crypto Borrowing & Margin Credit Facilities (FSADAFAC), Centralized Crypto Exchanges (CEX) (FSAPADAA), Treasury Management & Corporate Crypto Yield Programs (FSADAHAL), Fiat On/Off-Ramps & Payment Rails (Exchange-Operated) (FSADAAAF)

Keywords

• Crypto-backed lending
• Institutional crypto lending
• Digital asset custody
• CeDeFi platform
• Crypto interest accounts

Headquarters

HQ city

Botany

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Crypto-Backed Lending Interest: Interest income generated from over-collateralized institutional lending. Borrowers pay APR ranging from 4.9% to 5.4% on revolving credit lines and fixed-term business loans, with institutional facilities individually priced. Revenue accrues as interest on outstanding loan balances.
2. Interest Account Yield Sharing: Yield generated from deploying user assets in over-collateralized institutional lending markets and delta-neutral market making operations. Platform offers up to 12% APY on stablecoins and 4.8-5.2% APY on BTC/ETH. Interest compounds monthly with daily accruals.
3. Exchange and OTC Trading: Platform generates revenue through aggregated liquidity model providing fixed execution prices with competitive dynamic spreads averaging 0.4%-1.2% depending on market depth and pair volatility. OTC desk serves block trades exceeding $50,000 minimum volume.
4. Fiat Withdrawal Fees: Wire withdrawals charged at $25.00 flat fee per transaction with $100.00 minimum. Crypto withdrawals subject to standard network/miner fees that vary by token.
5. Collateral Re-hypothecation: Platform authorized to pool, re-hypothecate, and deploy user assets within verified institutional over-collateralized lending markets to generate yield. Liquidation fee of 2.50% applied if algorithmic liquidation occurs.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

CEDEFI Angels operates a CeDeFi (Centralised Decentralised Finance) platform offering crypto-backed lending (revolving credit lines, fixed-term business loans, and institutional credit facilities), interest-bearing accounts on deposited digital assets, and a digital asset exchange (Lighter Exchange). The company serves retail sophisticated investors, SMEs, corporates, and institutional clients globally by combining regulated financial services infrastructure with blockchain-based collateral and disbursement.

Product overview

CEDEFI Angels operates a unified CeDeFi (Centralized Decentralized Finance) platform combining traditional finance compliance with blockchain technology. The core portfolio consists of three interconnected products: Crypto Loans (crypto-backed lending with revolving credit lines, fixed-term loans, and institutional facilities), Interest Account (yield generation on idle assets with flexible and fixed options), and Lighter Exchange (crypto buy/sell/swap). The Institutional Desk provides bespoke services for hedge funds, family offices, and corporate treasuries, while Portfolio Management ties the ecosystem together by enabling multi-asset collateral pooling across all products. This integrated architecture allows users to deposit collateral, borrow against it, earn yield on idle assets, and execute trades within a single regulated, fully-insured platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Crypto Loans Crypto-collateralised loan products that allow clients to borrow against held digital assets without selling. Includes revolving credit lines for retail/SME borrowers, fixed-term business loans, and bespoke institutional credit facilities with multi-currency disbursement and automated LTV monitoring and liquidation.
• Interest Account Yield-bearing account product that pays interest on client-deposited digital assets, offered in flexible and fixed-term tenors for retail, SME, and institutional clients seeking yield on idle crypto holdings.
• Lighter Exchange Proprietary digital asset exchange operated by CEDEFI Angels, supporting trading for retail and institutional clients with OTC desk capability for large block trades.
• Corporate Treasury Services Dedicated corporate offering that combines fixed-term business loans, treasury yield on corporate crypto holdings, and bespoke structuring for SMEs, startups, and corporate treasury teams.

Quantifiable outcome

• Loan rates from 4.9% APR with zero origination fee
• +5 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability1 record

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• BitGocoreTechnology or IntegrationQualified custodian partner providing multi-party computation (MPC) and multi-signature cold storage wallet infrastructure. BitGo enables institutional-grade asset custody with cryptographic authorization from multiple isolated geographic hubs. Combined with Fireblocks for comprehensive custody solution.
• FireblockscoreTechnology or IntegrationInstitutional-grade digital asset custody and wallet infrastructure platform providing multi-signature cold storage management. Fireblocks enables secure multi-sig storage and cryptographic verification for client assets. Partnered alongside BitGo for redundant custody coverage.
• Lloyd's of LondoncoreOthersGlobal insurance syndicate providing aggregate insurance coverage exceeding $250 million for cold-storage assets against physical breaches, hardware failure, and third-party cyber attacks. Insurance covers offline cold wallet reserves managed by global insurance syndicates.
• SumsubsupportingTechnology or IntegrationIdentity verification and KYC/AML document authentication partner. Sumsub parses and authenticates government-issued identification, video liveness checks, and proof of address against international spoofing attacks. Part of compliance infrastructure for AML/KYC adherence.
• OnfidosupportingTechnology or IntegrationIdentity verification and document authentication provider for AML/KYC compliance. Onfido provides biometric integration and identity verification services to authenticate documents against spoofing attacks as part of the compliance framework.
• JumiosupportingTechnology or IntegrationDigital identity verification and AML/KYC compliance partner providing document authentication and biometric verification services. Jumio integrates with the compliance infrastructure to verify user identities.
• HackerOnesupportingTechnology or IntegrationBug bounty program platform integrating with global security researchers to incentivize ethical discovery of platform vulnerabilities before malicious actors can exploit them. Active vulnerability disclosure program.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CoinLoan: CoinLoan is a CeFi lending platform offering crypto-backed loans and interest accounts with custodial security. Direct competitor in the same product category.
• Ledn: Ledn is a centralized crypto lending and savings platform offering BTC and USDC-backed loans with interest accounts. Comparable CeFi model with regulatory positioning.
• BlockFi: BlockFi was a major centralized crypto lending platform offering interest accounts and crypto-backed loans (now restructured post-bankruptcy). Reference point for CeFi lending business model and risk profile.
• YouHodler: YouHodler is a CeFi crypto lending platform providing crypto-backed loans, yield accounts, and multi-currency support. Highly comparable offering targeting retail and SME borrowers with similar LTV ratios.
• Nexo: Nexo is a centralized crypto lending platform offering crypto-backed loans, interest-earning accounts, and an exchange. Direct competitor in CeFi lending with similar product mix and institutional focus.

Broad incumbents

• Binance: Binance is the largest centralized crypto exchange offering lending, staking, and yield products. Overlaps with CEDEFI's exchange and yield business but with much broader geographic and product footprint.
• Anchorage Digital: Anchorage Digital is a federally chartered crypto bank offering institutional custody and lending. Comparable institutional focus with stronger regulatory positioning in the US market.
• Crypto.com: Crypto.com is a broad crypto platform offering lending, yield, exchange, and card services. Operates a larger retail brand with overlapping CeFi lending features.

Emerging players

• Aave: Aave is a leading decentralized lending protocol for crypto collateral. Competes indirectly on lending yield and rates via permissionless, on-chain credit markets.
• MakerDAO: MakerDAO is a decentralized protocol enabling DAI generation against crypto collateral. Adjacent competitor for crypto-backed borrowing without intermediation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/cedefiangels

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CEDEFI ANGELS INC