Compliance
dVIN.capital is built to operate within EU / MiCA-aligned requirements for asset-backed lending and stablecoin settlement.
Identity verification
Every user completes KYC (individuals) or KYB (businesses) once during onboarding before accessing borrowing or lending. Capital providers additionally pass an accreditation check before they can fund loans.
Geographic restrictions
Access is gated by jurisdiction. Eligibility is confirmed during onboarding, and the platform is not available to users in restricted or sanctioned regions.
Legal structure
Loans are issued through the S01 legal wrapper, and collateral remains with regulated bonded custodians such as Bordeaux City Bond throughout the loan term. Settlement is denominated in EURC, a euro-referenced stablecoin issued by Circle.
Pricing integrity
Collateral valuations use the Liv-ex Mid methodology, refreshed on a fixed schedule and published on-chain. Pricing halts automatically if a feed exceeds its staleness threshold, preventing loans from being priced on stale data.