LTU (Lease To Use) is the use-focused variant of Lease-to-Own. One fee at opening. No installments. Automatic settlement at maturity. Designed for clients who want temporary access to a digital asset's economic value, not gradual ownership.
Long or short exposure. No leverage. No liquidation. Loss capped at the fee you pay upfront.
Where Lease-to-Own serves clients whose final intent is to own a digital asset, Lease To Use serves clients whose final intent is to use the asset's economic value for a defined period.
You pay a single Origination Fee at contract opening, gain immediate access to the Leased Asset in your LTU Wallet, and the contract settles automatically at the end of its tenor, through a mandatory Buyout, not through installments. Your obligation is locked at execution and never changes during the term.
SAME CONDITIONAL SALE FOUNDATION AS LTO. THE CONDITION IS FULFILLED THROUGH BUYOUT, NOT INSTALLMENTS.
LTU serves two primary client profiles. Both operate inside the same contract structure, with the same fee model, the same protections, and the same capped downside.
Long Exposure Seekers
You expect an asset to rise over a defined period, but you don't want an ownership commitment, installments, or a multi-year plan. With LTU in Fiat Obligation Mode, you access the asset's upside for the tenor you choose. If it appreciates above your locked obligation, the surplus is yours at settlement.
Fiat Obligation Mode, upside exposure without ownership commitment.
Short Exposure Seekers
You expect an asset to fall, but you refuse leverage, margin calls, and liquidation risk. With LTU in Asset Obligation Mode, you hold stable value against a volatile obligation locked at execution. If the owed asset gets cheaper, the remainder is returned to you as surplus.
Asset Obligation Mode, downside exposure without leverage or liquidation.
ONE STRUCTURE. LONG OR SHORT. NEVER LEVERAGED.
LTU is a configuration variant of LTO, not a separate platform. Both share the same contractual infrastructure, custody architecture, solvency framework, and risk engine. They differ in four structural points, each engineered for temporary access instead of gradual ownership.
- Final intentOwn the assetUse the asset's value
- Initial paymentDown paymentSingle origination fee
- During the termScheduled installmentsNo payments at all
- SettlementPayment-basedAutomatic buyout at maturity
- ExtensionKeep payingRe-Lease at market rates
- TenorMonths or yearsHours, days, or months
- StakingAvailable (PoS assets)Not available
- Max lossDefined by contractOrigination fee, capped
Everything not listed above is inherited from LTO unchanged: HyperHedge™ solvency coverage, MPC-secured escrow, the two-layer ownership structure, and the full compliance framework.
IF YOU KNOW HOW LTO WORKS, YOU ALREADY KNOW MOST OF LTU.
LTU is structurally distinct from the instruments it might superficially resemble. The distinctions are not marketing language, they are engineering decisions written into the contract architecture.
Not a Derivative
No options, futures, swaps, perpetuals, or contracts-for-difference. You hold Economic and Beneficial Property of a real asset in your LTU Wallet, not a synthetic position referencing one.
Not Margin Trading
No leverage, no margin calls, no funding rates, and no liquidation events. Market volatility cannot trigger new payments, and your position cannot be forcibly closed before maturity.
Not a Loan
Nothing is lent and nothing is borrowed. LTU operates under the same Conditional Sale legal foundation as LTO, the finance charge is structurally analogous to hire-purchase frameworks, not interest.
Not a Yield Product
LTU is not a savings product and promises no return. It is structured access to an asset's economic utility for a defined period, with the outcome determined by the market and your locked obligation.
A STRUCTURED DIGITAL ASSET ACCESS INSTRUMENT. REGULATED BY DESIGN, UNDER ADGM JURISDICTION.
Ownership is a destination.
Access is a decision.
LTU is built for the decision.
LTU temporary access, engineered
One fee. A defined tenor. Full economic access from the first minute, and a maximum loss you know before you commit.