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Documentation Index

Fetch the complete documentation index at: https://docs.roxom.com/llms.txt

Use this file to discover all available pages before exploring further.

Coming soon. Roxom Loans is not live yet. The custody arrangements described here will apply at launch.

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TL;DR

While your loan is open, your BTC is frozen in your Roxom account and held in segregated custody, either directly by Roxom or with a regulated institutional liquidity partner (Tether is among them). Your collateral is never lent out, never reused, and legally ring-fenced from any partner’s own assets. You retain full legal title to your BTC.

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Quick facts

ItemValue
Custody modelSegregated custody (per user)
Legal title to BTCStays with the user
Lent out or rehypothecatedNo
Liquidity partnersRegulated institutional counterparties (including Tether)
Proof of reservesOn the roadmap
InsuranceNone (not equivalent to a bank deposit)

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What happens to my BTC while the loan is open?

Your BTC is frozen in your account within the Roxom platform. You cannot withdraw or use it while the loan is open. While frozen, the collateral does not earn Auto-Earn yield. You retain full legal title to your BTC. Roxom holds only a contractual security interest, not ownership. Collateral may be held directly by Roxom or with one of our trusted regulated institutional partners. In either case:
  • It is held in a segregated account.
  • It is legally ring-fenced from any partner’s own assets.
  • It is never lent out.

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Who are Roxom’s liquidity partners?

Roxom Loans works with regulated institutional counterparties to fund its lending operations. Partners are selected based on regulatory standing, custody infrastructure, and financial soundness. Tether, one of the most established entities in the digital asset space, is among Roxom’s liquidity partners. In all cases, user collateral is held in segregated wallets, legally isolated from the partner’s balance sheet, and protected even in the unlikely event of a partner’s insolvency.

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Can Roxom use my BTC for other purposes?

No. Your BTC is held in segregated custody, either directly by Roxom or with one of our regulated institutional liquidity partners. In all cases, collateral is:
  • Never lent out.
  • Never reused.
  • Always legally ring-fenced from any partner’s own assets.
Any material change to this policy will be disclosed, including to the regulators.

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How do I know my BTC is actually segregated?

The system maintains individualized records per user with daily reconciliation. Each user’s BTC is not commingled with Roxom’s capital or other users’ assets. This is contractual and operational. A public proof-of-reserves mechanism is on the roadmap, but not currently available.

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Is it insured against hacks or Roxom insolvency?

BTC is held in segregated custody, separate from Roxom’s own assets. This is not equivalent to a government-insured bank deposit. Technological and operational risks are covered through the institutional custody mechanisms described in the Terms and Conditions.
This content is for informational purposes only and does not constitute investment advice. Trading digital assets involves significant risk, including the potential loss of your entire investment. Please review our Risk Notice before trading.
Last modified on May 18, 2026