Own
You already hold the shares. Connect the account where they sit — listed equities and major ETFs qualify.
Securities-backed credit
Spend your portfolio.Keep your stocks.
Yrea lets you access liquidity from your stock portfolio without selling your stocks. Use your shares as collateral, draw the cash you need, and keep your exposure to the market exactly where it is.
Testnet · non-custodial · you sign every transaction
5,000+ wallets connected
Step 01Own stocks
Step 02Use as collateral
Step 03Access liquidity
Step 04Keep your exposure
Your portfolio, still yours
Pledged holdings sit in a segregated custody account registered to you. Nothing is sold, nothing is lent out, and the credit line is sized against what you already hold.
0shares sold
55%advance rate
€ 136,620credit line
Collateral accountHeld in your name
Novo Nordisk BDK0062498333 · 320 sh
€ 24,960Pledged
ASML HoldingNL0010273215 · 42 sh
€ 27,930Pledged
MicrosoftUS5949181045 · 118 sh
€ 45,900Pledged
FTSE All-WorldIE00BK5BQT80 · 1,240 sh
€ 149,610Pledged
Portfolio value€ 248,400
Drawn today€ 40,000
Available credit line€ 136,620
The mechanism
Four steps, in order, and nothing leaves your portfolio
Each step depends on the one before it. That sequence is the whole product.
Pledge
Eligible holdings are pledged as collateral in a segregated custody account registered to you. Not sold, not lent out to anyone else.
Draw
A revolving credit line opens against that collateral. Draw all of it, part of it, or none — interest accrues only on what you use.
Keep
Dividends keep landing in your account. Voting rights stay yours. Every future move in the market is still yours too.
What your portfolio unlocks
Move the sliders. Watch the credit line, not the sale.
Advance rates depend on what you hold: broad, liquid holdings support more borrowing than a single concentrated name.
Available credit line
€ 137,500
Interest on what you draw€ 225 / mo
Market drop before a top-up call−71%
Shares you'd have to sell0
Illustrative figures. Assumes a 5.4% variable annual rate and a top-up call at 70% loan-to-value. Your own rate and advance rate depend on the portfolio you pledge.
Questions
The ones people actually ask
Do I still own my shares?
Yes. They stay registered to you in a segregated custody account and never move to our balance sheet. A pledge is a claim in the event of default, not a transfer of ownership — you keep the dividends, the voting rights and every euro of appreciation.
Is this a taxable event?
Drawing on a credit line is borrowing, not a disposal, so there is no realised gain to tax at the moment you draw. Tax treatment depends on your own circumstances and jurisdiction — talk to your adviser before you plan around it.
What can I pledge?
Listed equities and major ETFs on recognised European and US exchanges. Liquidity and concentration set your advance rate: a diversified book of liquid names supports more borrowing than a single position, however good that position looks.
What do I use the liquidity for?
Whatever cash is for — a property deposit, a tax bill, funding a business, bridging between two transactions. The point is that the decision to spend stops being a decision to sell.
When do I repay?
On your own schedule. The line is revolving: repay in full, repay in part, or carry the balance while it stays within your advance rate. Interest accrues only on what is drawn, and stops the day you repay.
Open your credit line
Connect a wallet to see your supported tokenized stock holdings, deposit them into the collateral vault, and borrow USDC against them. Nothing is sold, and every step is a transaction you approve yourself.
Testnet · non-custodial · you sign every transaction
5,000+ wallets connected