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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. This page addresses the most direct questions users may have ahead of launch.

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TL;DR

Roxom is a licensed DASP regulated by the CNAD in El Salvador under LEAD. Collateral is held in segregated accounts, legally separated from Roxom’s balance sheet. Liquidations are automatic and non-appealable by design, to protect the user in 24/7 markets. If collateral doesn’t cover the debt in an extreme event, Roxom absorbs the shortfall. The user is never left with residual debt.

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Quick facts

ItemValue
Regulatory licenseDASP (CNAD, El Salvador)
Regulatory frameworkLEAD, Article 19(a)
Collateral segregationYes
Lent out or rehypothecatedNo
LiquidationAutomatic, non-appealable
Residual debt for userNone. Roxom absorbs shortfall.
Bank-deposit-equivalent insuranceNo

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What happens if Roxom goes under? Do I get my BTC back?

Collateral is held in segregated accounts, which are not part of Roxom’s general balance sheet. In an insolvency event, treatment of segregated collateral is governed by applicable law and the Terms and Conditions. This is not the same as a bank deposit and carries no equivalent guarantee. Segregation exists precisely to separate the user’s asset from the company’s. This is a real risk, documented in product disclaimers, that users must understand before opening a loan.

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Liquidation is automatic and non-appealable. Isn’t that too aggressive?

It is a deliberate design choice. In 24/7 digital asset markets, execution speed protects the user. Liquidating sooner returns more residual collateral than liquidating after a deeper drop. The escalation system (margin call at 70% LTV, then partial liquidation at 80% LTV) provides multiple intervention points. Automation eliminates the risk of delayed or discretionary human intervention. The user accepts this logic explicitly in the Terms and Conditions.

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What does it mean that collateral can be placed with institutional partners? Does my BTC leave Roxom?

Your BTC may be held with one of Roxom’s regulated institutional liquidity partners as part of the funding structure. What does not change:
  1. Your collateral is held in a segregated account, legally isolated from the partner’s own assets.
  2. Neither Roxom nor the partner can lend your collateral out or use it to generate yield.
  3. Segregation means your BTC is protected even if the partner faces financial difficulty.

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Does this product have regulatory backing in El Salvador?

Yes. Roxom is a licensed DASP regulated by the CNAD under LEAD. The product was formally notified to the CNAD with complete documentation. Regulatory basis: Article 19(a) of the LEAD, which authorizes DASPs to conduct digital asset operations using their own capital. Active dialogue with the Commission is ongoing.

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What if BTC crashes and the collateral isn’t enough to cover the debt?

You are not left with residual debt. If in an extreme event the liquidated collateral doesn’t cover the total debt, Roxom absorbs that loss.
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