To Institutional Allocators and Family Offices

We operate a permissioned platform for Bitcoin-native yield and over-collateralized credit. Custody is administered via Fireblocks MPC with programmable policy controls; key lifecycle events are immutably evidenced on Bitcoin Layer 1. Our mandate is principal preservation, operational clarity, and consistent, market-driven outcomes aligned with long-horizon capital.

We welcome a confidential discussion under NDA to review portfolio fit, parameters, and timelines. The following summary provides a concise view of our structure, terms, and governance.

Justin Gaffney, Founder & CEO

Arcus occupies the intersection of conservative risk management and native Bitcoin settlement. We avoid wrapped assets and complex bridges, preferring a direct relationship with the base layer for public verification. Rate formation is market-driven, responding to pool utilization rather than promotional incentives. Liquidation policies prioritize orderly process, transparency, and capital preservation.

The intended audience is institutional: family offices, professional treasury teams, and enterprise partners integrating through our Lending-as-a-Service API. Our team provides dedicated coverage, bespoke reporting, and coordination with governance processes and investment committees.

We believe Bitcoin’s settlement assurances, combined with rigorous operational controls, can support predictable, transparent yield strategies suitable for institutional mandates.

Indicative Term Sheet

Eligible Clients: Family offices, institutional allocators, and enterprise partners in a permissioned environment
Custody: Fireblocks MPC with policy engine and multi-party approvals
Settlement Proofs: OP_RETURN anchoring of key lifecycle events on Bitcoin Layer 1
Products: Yield Accounts (BTC, stablecoins) and Over-Collateralized Credit
Initial LTV (BTC): ~60% with liquidation threshold ~75%
Fees: 2% origination, 5% liquidation, 1% performance
Reporting: Bespoke packages for portfolio reviews, governance, and audit workflows
Access: KYC/KYB required; permissioned API for enterprise integration

Controls & Assurance

Administrative actions are governed by Fireblocks’ policy engine with multi-party approvals. For external verification, cryptographic proofs of key lifecycle events are anchored to the Bitcoin blockchain. Operations are structured for auditability and regulatory readiness.

Verified • Policy Controlled

Onboarding Calendar

Week 1

Discovery & NDA

Objectives, scope, and document exchange.

Week 2

KYC/KYB & Policy Setup

Verification and operational policy configuration.

Week 3

Provisioning & Go Live

Wallets, reporting preferences, and funding.

Next Steps

Request an NDA or schedule a management presentation.

Schedule Consultation Request NDA

For institutional and professional investors only. This page is provided for informational purposes and does not constitute an offer to sell or a solicitation to buy any securities or services. Access is permissioned (KYC/KYB). Digital assets involve risk, including possible loss of principal. Consult qualified advisors.