Total Exposure
$124.7M
3291 active lines
Secured / Unsecured
$98.2M78.7%
$26.5M21.3%
Avg Utilization
42.3%
Avg LTV: 65.2%
Active Defaults
14
of 3291 credit lines
Reserve Ratio
Reserve Balance
$10.5M
Total Liabilities
$124.7M
ADEQUATE
Default Rate Trend
| Month | Rate | Count | Volume |
|---|---|---|---|
| Sep 2025 | 0.12% | 3 | $45K |
| Oct 2025 | 0.18% | 5 | $128K |
| Nov 2025 | 0.15% | 4 | $87K |
| Dec 2025 | 0.22% | 6 | $201K |
| Jan 2026 | 0.09% | 2 | $32K |
| Feb 2026 | 0.14% | 4 | $95K |
| Mar 2026 | 0.07% | 2 | $28K |
Stress Test Simulator
What if 5% of accounts default?
Expected recovery from liquidations
Projected Impact
Gross Loss
$6.2M
Net Loss (after recovery)
$3.7M
Reserve After Loss
$6.8M
Reserve Ratio After
5.4%
Reserve ratio falls below 8% target. Capital injection of $3.2M required.
Concentration Risk - Top 10 by Exposure
| # | Account | Entity | Tier | Exposure | % of Total | LTV |
|---|---|---|---|---|---|---|
| 1 | 0x5e6f...9a0b | Meridian Capital | Institutional | $2,450,000 | 1.96% | 48% |
| 2 | 0x1a2b...5c6d | DeFi Ventures | Institutional | $1,870,000 | 1.5% | 52% |
| 3 | 0x8b9c...2d3e | BlockTower Fund | Institutional | $1,340,000 | 1.07% | 55% |
| 4 | 0x7a3f...9e2d | alice.eth | Premium | $890,000 | 0.71% | 62% |
| 5 | 0xc0d1...4f5a | CryptoHedge LP | Premium | $745,000 | 0.6% | 58% |
| 6 | 0xf3a4...7c8d | Vault Protocol | Premium | $612,000 | 0.49% | 61% |
| 7 | 0x2c3d...6e7f | Quantum DeFi | Premium | $498,000 | 0.4% | 67% |
| 8 | 0x9f8e...5d4c | Node Operators DAO | Standard | $423,000 | 0.34% | 70% |
| 9 | 0xb42c...1a8f | bob.eth | Standard | $312,000 | 0.25% | 72% |
| 10 | 0x4d5e...8f9a | YieldMax LLC | Standard | $287,000 | 0.23% | 65% |