It depends on what you need it to survive. Onramp Lending runs multi-institution collateral custody, with no single point of failure recorded: no one institution's failure reaches your bitcoin on its own. Proof of Custody scores it 83/100 as of 2026-02-18. Multi-institution custody is a good fit for holders who want independence to be structural rather than a personal discipline — the separation survives your attention span, your health, and your heirs, and the wrong choice for holders whose definition of bitcoin includes holding a key personally — you do not hold one, and no amount of structure changes that. The score is an editorial judgement; the facts to check are the custody model, the single point of failure and the incident history below.
| Custody model | Multi-Institution Collateral Proof of Custody classification from the provider's own documents |
|---|---|
| Single point of failure | No: no single party can move or lose the holding alone Record as of 2026-02-18 |
| Who holds the keys | Not published in enough detail to state |
| Independence standard | 2 of 4 pillars met |
| Insurance | Not disclosed by the provider |
| Regulatory standing | Not published |
| Qualified custodian | Not stated |
| Incidents in the registry | None recorded. Absence from the registry is not evidence of safety. |
| Fees | Varies by loan Provider pricing page; verify before relying on it |
| Minimum | $100K |
| Proof of Custody score | 83/100 Editorial judgement on the published methodology, as of 2026-02-18 |
Facts come from the provider's own documents and public filings, with the date they were last checked. The score is Proof of Custody's judgement. Dispute a row through the corrections process.
Borrow against BTC with multi-institution collateral custody. No rehypothecation.
Higher minimums. Newer lending product. Liquidation risk in volatility.
Custody feature data not yet available.
2 independent parties or systems must fail before a Onramp Lending holder's bitcoin is at risk.
Onramp custody carries insurance of up to $100 million per incident, through Lloyd's of London.
Onramp Lending uses a multi-institution collateral model and scores 83/100 in our independent review, including 88/100 on custody security. No single institution can unilaterally move funds. Safety depends on your priorities; see the full score breakdown above.
Onramp Lending's custody insurance is not publicly disclosed in a form we can verify. Where it exists, custody insurance covers specific named events up to shared limits and does not cover price loss. Confirm coverage in writing before relying on it.
Onramp Lending's architecture distributes control, so no single institution's failure alone can move or lose your bitcoin. Recovery depends on the specific structure; see the custody section above.
Onramp Lending does not advertise a dedicated inheritance or beneficiary feature in the data we track. Confirm current options with the provider, since custody inheritance handling changes.