Agency Lending

Copper’s Agency Lending solution enables institutional clients to create, manage, and monitor collateralized and uncollateralized loans through secure and programmable infrastructure. It supports a wide range of loan types and integrates with Copper’s custody and portfolio systems, allowing lenders to optimize capital deployment while maintaining full control and transparency over lending operations.

Features

• Support for multiple loan types including collateralized, uncollateralized, and first-lien loans
• Automated loan creation and approval workflows
• Real-time loan status tracking and debt ratio monitoring
• Margin call and default threshold configuration
• Collateral management with top-up and release capabilities
• Interest rate and maturity date customization
• Role-based access and portfolio-level controls
• API access for loan lifecycle automation

Capabilities

• Initiate and manage loans with detailed parameters including amount, interest rate, and collateral requirements
• Configure loan thresholds for margin calls, defaults, and rebalancing
• Track loan allocations, repayments, and interest accruals
• Secure collateral using Copper’s custody infrastructure
• Monitor loan health via debt ratio and status updates
• Integrate with internal systems via Copper’s developer API
• Support for bilateral and agency lending structures

Benefits

For Lenders:

• Full control over loan terms and collateral requirements
• Reduced operational risk through automated workflows
• Transparent tracking of loan performance and counterparty exposure
• Enhanced capital efficiency with flexible lending structures
• Secure infrastructure for managing high-value loans For Borrowers:
• Access to institutional-grade lending with customizable terms
• Streamlined collateral management and repayment processes
• Improved liquidity through efficient loan disbursal
• Clear visibility into loan obligations and performance