EterPay ReserveLien™Deterministic Collateral Vault

Fixed Deposit Backed Credit Line

Borrow against locked Fixed Deposits & foreign currency reserves without breaking principal or sacrificing yield.

Deterministic Collateral Shield — Zero Capital at Risk

All credit lines are strictly over-collateralized with an immutable 85% Loan-to-Value (LTV) ceiling. Pledged deposits remain securely locked in regulated partner bank escrow. AI and external systems have zero authority to liquidate or alter collateral without cryptographic 2FA approval.

Pledged Fixed Deposit

₹5,00,000.00

Earning +7.2% p.a. compound yield

Max Credit Capacity (85% LTV)

₹4,25,000.00

Hard collateral ceiling enforced

Borrow Interest Rate

8.45% p.a.

Net effective spread: only 1.25%

Vault Status

Available

Ready to activate

Configure Credit Line Draw

Select the amount you want to draw against your ₹5,00,000 SBI Collateralized Fixed Deposit.

Requested Credit Line₹1,50,000.00

Min: ₹25,000.00Selected: 30.0% LTVMax (85% LTV): ₹4,25,000.00

FD Interest Earned:

+₹36,000.00/yr

Fixed at 7.20%

Credit Line Cost:

-₹12,675.00/yr

At 8.45% borrow rate

Net Out-of-Pocket Cost:

₹1,875.00/yr

1.25% effective cost

Collateral Instrument

Certificate #FD-IN-2026-78291

BeneficiaryAlex Rivera

Deposit InstitutionState Bank of India

Maturity Date18 March 2028

Lock StatusUnencumbered

Why this is zero-risk:

You never break your fixed deposit, preserving full interest.
You only pay interest on the money you actually spend.
No external credit bureau rating score inquiry.
Instant liquidation protection with automatic currency routing.