INSTITUTIONS / LTO AS A SERVICE

LTO-as-a-Service gives exchanges, neobanks, wallets, super-apps, and fintech platforms the ability to natively embed Lease-to-Own contracts into their ecosystem — without building the infrastructure, acquiring the capital, or managing the risk. You bring the users. BitLease brings everything else.
API-first. White-label available. HyperHedge™ solvency included. Compliance-ready.

Available Capital
$+
Assets Under LTO
+
Client Care
24/7
Available Capital
$+
Assets Under LTO
+
Client Care
24/7

WHY EMBED LTO

Every platform with a crypto user base has the same problem — users want to own digital assets, but the existing paths are too expensive, too risky, or too complex. LTO-as-a-Service solves this at the infrastructure level. You embed a structured ownership product into your platform. Your users get access to institutional-grade Lease-to-Own. You generate revenue from every contract.

$2.6T

Current global digital asset market.

The demand for structured ownership exists at scale.

The infrastructure to deliver it — until now — did not.

%

of the world's population cannot afford to buy one Bitcoin outright.

LTO removes the capital barrier entirely.

Your platform becomes the access point.

Infrastructure you need to build.

No custody. No capital. No hedging. No compliance architecture.

BitLease operates the entire stack.

THE DEMAND IS REAL. THE INFRASTRUCTURE IS READY. YOUR INTEGRATION IS THE MISSING PIECE.

INTEGRATION PARTNERS

LTO-as-a-Service is designed to integrate with any platform that has a digital asset user base — regardless of size, geography, or existing infrastructure.

①

Crypto Exchanges

Offer your users a structured path to ownership alongside spot trading. LTO becomes a new product category — converting traders into long-term holders. New revenue stream. No capital risk. Full HyperHedge™ protection.

②

Neobanks & Fintech Apps

Add digital asset ownership to your product suite without crypto infrastructure. Your users start LTO contracts through your app. BitLease handles custody, contracts, and compliance in the background.

③

Crypto Wallets

Transform your wallet from a storage tool into an ownership platform. Users initiate LTO contracts, track installments, and receive assets — all within your existing wallet interface.

④

Super-Apps

Embed structured digital asset ownership into a broader financial ecosystem. LTO becomes one product among many — seamlessly integrated, fully compliant, operationally invisible to your team.

⑤

Corporate Treasuries

Enable corporate treasury teams to allocate to digital assets through structured LTO contracts — with fixed costs, defined timelines, and zero market exposure during the acquisition period.

⑥

RWA & DeFi Platforms

Integrate LTO infrastructure into Real World Asset platforms or DeFi ecosystems. BitLease's API-first architecture supports custom contract structures and on-chain settlement logic.

IF YOUR PLATFORM HAS USERS WHO WANT DIGITAL ASSETS, LTO-AS-A-SERVICE IS YOUR INFRASTRUCTURE.

THE INTEGRATION STACK

LTO-as-a-Service is a complete infrastructure package. From the moment you integrate, your users have access to the full BitLease LTO stack — powered by the same institutional infrastructure that runs bitlease.com.

  • LTO Engine

    The core contract engine — asset selection, down payment calculation, installment structuring, and ownership transfer logic. Fully operational from day one of integration.

  • HyperHedge™ Solvency

    Every LTO contract initiated through your platform is protected by HyperHedge™. Your users' contracts are covered. Your platform carries zero solvency risk.

  • Institutional MPC Custody

    All assets are held in Fireblocks MPC custody. Your platform never touches the underlying assets. Custody is handled, insured, and auditable at all times.

  • Capital Access

    BitLease provides the institutional capital that funds every LTO contract. You don't need Lessor relationships. You don't need capital reserves. BitLease deploys the capital — you distribute the product.

  • Compliance Engine

    KYC/AML pipelines, transaction monitoring, sanctions screening, and regulatory reporting — all built in. Your integration inherits BitLease's compliance infrastructure, including ADGM registration and alignment with VARA, MiCA, and FATF frameworks.

  • White-Label UI

    Deploy a fully branded LTO experience within your platform. Your colors, your typography, your user experience — powered by BitLease infrastructure. Users never leave your ecosystem.

  • API-First Architecture

    Every BitLease function is available via API. Contract creation, installment tracking, asset status, EVS settlement, ownership transfer — all accessible programmatically. Build any experience on top of the infrastructure.

  • Revenue Share

    Every LTO contract initiated through your platform generates revenue for you. Fee structure disclosed at partner onboarding. Revenue is contractual, transparent, and tracked in real time through your partner dashboard.

You Distribute. We Handle Everything Else.

Market making, capital deployment, insurance, custody, hedging, KYC/AML, compliance, contract execution, solvency management, default handling — every operational function is owned and operated by BitLease.

Your role is one thing: distribution.
Your reward is one thing: commission on every contract.
Nothing more is required from your side. Ever.

Market Making

BitLease operates all asset acquisition and market making internally. You never interact with exchanges, OTC desks, or liquidity providers.

Insurance

Every contract is covered by BitLease's Insurance Treasury. You carry no insurance obligation. No reserve requirements. No exposure.

Custody

All assets are held in Fireblocks MPC custody operated by BitLease. You never touch, hold, or manage any digital asset on behalf of your users.

Solvency & Risk

HyperHedge™ manages all solvency and risk — 24/7, programmatically. You have zero financial exposure to any contract outcome.

YOU BRING THE USERS. BITLEASE DOES THE REST. YOU EARN THE COMMISSION.

HOW IT WORKS

BitLease LTO-as-a-Service supports three integration modes — designed to match different partner technical capabilities and product requirements. All modes run on the same infrastructure and carry the same institutional protections.

MODE 1 — API INTEGRATION

FULL CONTROL. CUSTOM EXPERIENCE.

API Integration

Connect directly to BitLease APIs. Build any user experience on top of the LTO infrastructure. Full access to contract creation, management, settlement, and reporting endpoints. Ideal for platforms with strong engineering teams that want complete UI control.

Integration time: 2–6 weeks

Technical requirement: REST API integration

UI: Fully custom

MODE 2 — SDK INTEGRATION

FAST DEPLOYMENT. FLEXIBLE UI.

SDK Integration

Use BitLease's SDK to embed LTO functionality into your existing platform with pre-built components. Customize the UI to match your brand. Deploy in days, not weeks. Ideal for platforms that want speed without sacrificing design control.

Integration time: 1–2 weeks

Technical requirement: SDK implementation

UI: Customizable components

MODE 3 — WHITE-LABEL DEPLOYMENT

ZERO ENGINEERING. INSTANT LAUNCH.

White-Label Deployment

Deploy a fully branded, fully operational LTO platform under your own domain and identity. No engineering required beyond basic configuration. BitLease hosts and maintains the infrastructure. You own the brand and the user relationship.

Integration time: 3–5 business days

Technical requirement: Configuration only

UI: Fully white-labeled

FROM CONFIGURATION TO FULL CUSTOM BUILD — THE INFRASTRUCTURE IS THE SAME.

ZERO PLATFORM RISK

When a user on your platform initiates an LTO contract, HyperHedge™ activates immediately. The solvency engine monitors the contract, hedges the exposure, and ensures the obligation is covered — for the entire duration of the contract. Your platform carries no financial risk from any contract initiated through your integration.

Your Platform Has Zero Solvency Exposure

HyperHedge™ covers every contract at the platform level. You are not a counterparty. You are not a capital provider. You are a distribution channel — and your only financial relationship with BitLease is your revenue share.

Your Users Are Fully Protected

Every user contract includes Insurance Fee coverage, non-recourse protection, and MPC custody. The protections are not a feature of your integration — they are a feature of the underlying infrastructure. Your users receive the full BitLease protection stack regardless of how they accessed the platform.

Your Compliance Is Inherited

BitLease's compliance infrastructure covers every contract initiated through your platform. AML/CFT screening, KYC verification, transaction monitoring, and regulatory reporting are all handled by BitLease. Your platform benefits from institutional-grade compliance without building it.

YOUR PLATFORM DISTRIBUTES THE PRODUCT. HYPERHEDGE™ ABSORBS THE RISK.

YOUR COMMAND CENTER

Every LTO-as-a-Service partner receives access to a dedicated Partner Dashboard — providing real-time visibility into contract performance, revenue, user activity, and platform health.

Contract Analytics

  • Total contracts initiated (live)
  • Active contract count
  • Completed contracts
  • Termination and early exit rates
  • Asset class breakdown

Revenue Tracking

  • Revenue earned to date
  • Revenue by contract type
  • Projected revenue at current run rate
  • Monthly and quarterly reports
  • CSV/PDF export

User Activity

  • New user registrations
  • KYC completion rates
  • Conversion funnel (registration → first contract)
  • Retention and re-engagement metrics

Platform Health

  • API call volumes and latency
  • Error rates and alerts
  • SDK version status
  • Integration health indicators

Compliance Reporting

  • AML/CFT screening results
  • KYC verification status by user
  • Transaction monitoring flags
  • Regulatory report export

API Management

  • API key management
  • Webhook configuration
  • Rate limit monitoring
  • Integration documentation access

Support Access

  • Dedicated integration support channel
  • Incident reporting
  • SLA status
  • Documentation and changelog

EVERYTHING YOU NEED TO MANAGE YOUR LTO INTEGRATION — IN ONE PLACE.

YOUR ECONOMICS

LTO-as-a-Service is a revenue-generating integration, not a cost center. Every LTO contract initiated through your platform generates a contractual revenue share for your organization — paid automatically, tracked in real time, and transparent at all times.

How Revenue Is Calculated

Your revenue share is calculated as a percentage of the Finance Fee and Origination Fee collected on each contract initiated through your platform. The exact percentage is agreed at partner onboarding and written into your partnership agreement.

When Revenue Is Paid

Revenue is distributed on a schedule agreed at onboarding — weekly, monthly, or at contract maturity, depending on your preference and the contract duration.

How Revenue Is Tracked

Every cent of revenue is tracked in real time in your Partner Dashboard. Full audit trail. Full export capability. No reconciliation required.

What Affects Your Revenue

Your revenue scales directly with contract volume. More users, more contracts, more revenue. There are no caps, no clawbacks, and no performance requirements beyond maintaining a valid integration.

YOU BUILD THE AUDIENCE. BITLEASE CONVERTS THEM INTO OWNERS. YOU EARN FROM EVERY CONTRACT.

GETTING STARTED

BitLease enterprise onboarding is designed for speed without sacrificing compliance. Every step is structured, documented, and supported by a dedicated integration team.

①

Partner Inquiry

Submit your integration inquiry. A dedicated enterprise relationship manager is assigned within 24 hours. Initial call scheduled to assess integration requirements and revenue structure.

②

Commercial Agreement

Partnership terms reviewed and executed. Revenue share, integration mode, white-label requirements, and SLA commitments documented and signed. Legal documentation provided in full.

③

Technical Onboarding

API credentials issued. SDK access granted. Technical documentation provided. Dedicated integration engineer assigned for the duration of the integration build.

④

Compliance & KYB

Know Your Business verification. Regulatory jurisdiction assessment. Compliance framework alignment. BitLease compliance team reviews your platform's existing KYC/AML infrastructure and confirms integration parameters.

⑤

Go Live

Integration tested and validated. Partner Dashboard activated. First contract initiated. Revenue tracking begins. Dedicated support channel activated for post-launch period.

Swipe sideways to see every step

WHITE-LABEL:        3–5 business days
SDK INTEGRATION:    1–2 weeks
API INTEGRATION:    2–6 weeks

FROM SIGNED AGREEMENT TO FIRST CONTRACT.

FROM FIRST CALL TO FIRST CONTRACT — STRUCTURED AT EVERY STEP.

INTEGRATION Q&A

EVERY TECHNICAL AND COMPLIANCE QUESTION HAS AN ANSWER. WE'VE BUILT FOR BOTH.

BECOME A PARTNER

Complete the form below. A dedicated enterprise relationship manager will contact you within 24 business hours to discuss your integration requirements, revenue structure, and technical onboarding.

LTO-as-a-Service partner application

0/500

All information is treated as strictly confidential. BitLease does not share partner inquiry data with third parties. A dedicated relationship manager will contact you within 24 business hours.

The infrastructure exists.
The capital is deployed.
The compliance is built.
Your integration is the final piece.

BitLease powering ownership at scale

Your platform. BitLease infrastructure. Every user you have is one integration away from structured digital asset ownership.