Live on Base · EU / MiCA-aligned
Borrow against your cellar or fund loans backed by fine wine.
dVIN.capital turns fine wine in bonded storage into liquid, on-chain collateral. Owners borrow euro stablecoins in one click; capital providers earn collateralized, real-world-asset yield.
For wine owners: borrow against fine wine
Unlock working capital without selling stock. Fast, predictable, and your wine stays in bond.
How borrowing against wine works →For capital providers: collateralized RWA yield
Deploy EURC into collateralized loans with control over terms and the ability to exit early.
How lending against wine works →€18.4M
Total value locked
6,420
Bottles under custody
€31.2M
Loans funded
9.1%
Avg lender yield
How it works
How wine-backed lending works
1
Upload & verify
Drop your Bordeaux City Bond certificate. We parse it, price it against Liv-ex and confirm custody.
2
Accept an offer
Browse offers your collateral qualifies for. Review the full repayment preview and accept in one click.
3
Receive EURC
Funds land in your wallet instantly. Your wine is locked in bond and returned when you repay.
Borrow calculator
Collateral value (NAV)€300,000
€50k€1M
Available to borrow
€165,000
at 55% max LTV
Est. 90-day cost
€5,271
at 8.9% APR + 1% fee
A live offer, today
Meridian Family Office
Open-term8.9%APR · up to €250,000
Max LTV
55%
Eligible
Bordeaux, Burgundy
Custodian
Bordeaux City Bond
Settlement
EURC on Base
Built on trusted infrastructure
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Bordeaux City Bond
Custody
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Circle · EURC
Stablecoin
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Base
Settlement
◆
Liv-ex
Pricing
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S01
Legal wrapper
Wine-backed lending questions, answered plainly
It stays exactly where it is — in bonded storage at Bordeaux City Bond. It is locked as verified collateral and returned to you the moment the loan is fully repaid.
Yes, if a loan defaults. On non-repayment at maturity, or an uncured margin-call breach on open-term loans, dVIN instructs the custodian to sell the collateral to repay the lender. Any surplus returns to you. Borrow conservatively relative to your LTV.
Net asset value is priced from the Liv-ex Mid methodology, refreshed every four hours and published on-chain. LTV and margin thresholds are computed against that NAV.
Borrowers pay interest at the offer’s APR plus a one-time origination fee. A small platform service fee is retained from lender yield. Every fee is shown transparently before you accept.
dVIN.capital is EU / MiCA-aligned with accreditation gating for lenders and geo-restrictions. You’ll complete KYC or KYB once during onboarding; eligibility is confirmed there.
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