Documentation
Technical and structural overview of how Helva operates.
This page is intended for users seeking a deeper understanding of custody, collateral, and settlement flows.
Platform Overview
System Architecture
Collateral and Custody
Fiat flows and compliance
Smart Contracts and Audits
Risk Management and Liquidation
Gnosis Chain and EURE
Legal Structure
Platform Overview Test
Helva is a crypto-collateralized lending platform connecting borrowers and lenders under a structured legal and technical framework.
The platform separates on-chain collateral management from off-chain fiat settlement, reducing counterparty risk and increasing transparency.
Platform Overview
System Architecture
Collateral and Custody
Fiat flows and compliance
Smart Contracts and Audits
Risk Management and Liquidation
Gnosis Chain and EURE
Legal Structure
Platform Overview Test
Helva is a crypto-collateralized lending platform connecting borrowers and lenders under a structured legal and technical framework.
The platform separates on-chain collateral management from off-chain fiat settlement, reducing counterparty risk and increasing transparency.
Platform Overview
System Architecture
Collateral and Custody
Fiat flows and compliance
Smart Contracts and Audits
Risk Management and Liquidation
Gnosis Chain and EURE
Legal Structure
Platform Overview Test
Helva is a crypto-collateralized lending platform connecting borrowers and lenders under a structured legal and technical framework.
The platform separates on-chain collateral management from off-chain fiat settlement, reducing counterparty risk and increasing transparency.
Gnosis Chain and Eure
Helva supports lending and borrowing via Gnosis Chain using EURe, a euro-denominated stablecoin.
This allows users to access euro liquidity on-chain without exposure to volatile crypto assets.
Risk Management and Liquidation
Loans on Helva are overcollateralized and actively monitored.
In the event of collateral value decline, borrowers receive margin calls allowing them to restore coverage.
Liquidation mechanics
Liquidation is trust-minimized and limited to the amount required to cover the outstanding obligation. Full collateral liquidation is avoided whenever possible.
Smart Contracts and Audits
Anvil smart contracts governing collateral management have been audited by independent, top-tier security firms.
Audit reports are publicly available.
Legal Structure
Helva operates through a Swiss entity subject to Swiss regulatory oversight.
Lending relationships are governed by legally binding contracts, providing clarity and enforceability under Swiss rule of law.
Fiat Flows and Compliance
Fiat transfers are processed via a Swiss entity and settled through the Swiss banking system.
Crypto collateral management and fiat settlement are fully decoupled, ensuring that blockchain activity does not directly interface with banking infrastructure.
Compliance considerations
The platform is structured to be compliance-friendly and avoids unnecessary exposure of crypto activity to banking systems.
Collateral and Custody
Crypto collateral is deposited into self-custodial vaults managed by Anvil, a non-custodial protocol deployed on Ethereum mainnet.
Helva does not custody, control, or have access to user collateral.
What “self-custodial” means
Users retain cryptographic control over their assets. Collateral movements are governed by predefined smart contract logic and cannot be executed arbitrarily.
System Architecture
Helva is designed around a modular architecture with clearly separated roles:
On-chain collateral managment
Off-chain fiat settlement
Legal and contractual coordination
This separation ensures that no single component has unilateral control over user funds.
Platform Overview Test
Helva is a crypto-collateralized lending platform connecting borrowers and lenders under a structured legal and technical framework.
The platform separates on-chain collateral management from off-chain fiat settlement, reducing counterparty risk and increasing transparency.