Frequently Asked Questions

Yes, we reserve the right to reject an application if:

• Negative ECF/FICP verification
• Financial situation deemed risky
• Incomplete or suspicious documents
• Impossibility to verify identity

In case of rejection, we will inform you with the reasons. You can contact us again after 6 months.

It depends on the type of loan and the amount:

• Personal Loan < €30k: Simple proof (pay slip, tax notice)
• Personal Loan > €30k: Complete file + last 3 pay slips
• Investment Loan: Business plan + financial documents
• Crypto Loans: Crypto portfolio verification (no income required)

Fast disbursement after signing:

• Contract signing: Day X
• Disbursement: X+1 (24h) or X+2 (48h) depending on bank

Crypto Loans: Disbursement X+1 after collateral transfer.

Yes, we offer a priority service:

• Express (12h): Response within max 12h
• Premium (6h): For important files

Additional fees apply. Contact us for details.

No, 100% transparency:

• Zero processing fees
• Zero brokerage fees
• Free early repayment
• All fees in the signed offer

CBC is committed to price transparency.

Factors that affect your rate:

• Credit profile: Financial history
• Type of collateral: Crypto vs traditional
• LTV: Amount vs collateral
• Loan term: Shorter = lower risk
• Economic situation: Market conditions

Protection mechanism:

• 120% ratio: Warning notification
• 110% ratio: Possible margin call
• 105% ratio: Automatic liquidation of collateral

You have 48 hours to deposit additional collateral!

Maximum security:

• ✅ Audited Smart Contracts (Certik)
• ✅ Multi-Signature (3-of-5) wallets
• ✅ Full insurance on collateral
• ✅ Annual independent third-party audit
• ✅ Cold storage for large amounts

Bank-grade security.

Standard checks:

• ✅ FICP file consultation (defaults)
• ✅ ECF consultation (incidents)
• ❌ No impact on your credit score
• ❌ We do not send information to the bank

The request is an internal verification without public registration.