Frequently Asked Questions

Any individual aged eighteen or over and any legal entity may apply, provided they are not resident in a jurisdiction where our services cannot lawfully be offered. We review residency at registration and again during identity verification.

Creating an account takes about two minutes. Email verification is immediate. Identity verification, when required, is normally reviewed by our compliance team within one business day of document submission.

Yes. The Foundation plan starts at one hundred dollars. Each subsequent plan has a higher minimum and a corresponding maximum. The Sovereign plan accepts allocations up to ten million dollars.

You may deposit and invest up to the published threshold with only email verification. Once your cumulative deposits exceed that threshold, or before your first withdrawal above the basic daily limit, full identity verification is mandatory.

We accept Bitcoin, Ethereum, Tether on the TRC20 and ERC20 networks, Litecoin and Tron through our payment processor, as well as bank transfers in dollars, euros, Swiss francs and pounds to our Swiss banking partner.

Digital asset deposits are credited automatically once the network confirms the transaction, usually within ten to forty minutes. Bank transfers are credited manually by our treasury team on the business day funds arrive.

Withdrawal requests are reviewed by our treasury team and are typically released within one business day. Digital asset withdrawals then settle according to network conditions. Bank withdrawals usually arrive within one to three business days.

New addresses enter a twenty four hour cooling period before they can receive funds. This protects your account if your credentials are ever compromised, because an attacker cannot redirect funds to an unknown address immediately.

Deposits in digital assets carry a small processing fee. Withdrawals carry a percentage fee with a minimum and maximum amount depending on the method. The current schedule is shown on the deposit and withdrawal forms before you confirm, and in the Terms of Service.

Yield is calculated and posted to your wallet once every twenty four hours for each active position. Your yield calendar shows every scheduled payment date and amount.

Your principal is returned to your wallet in full on the final day of the term. If automatic reinvestment is enabled, the matured amount is immediately reinvested into a new position in the same plan.

Yes. Early exit returns your principal less the plan early exit fee. Yield already paid remains yours, but unpaid future yield is forfeited. Early exit is irreversible and requires confirmation.

No. Target yields are set by our investment committee based on the expected performance of the underlying lending book. Private credit involves risk including the possible loss of principal. Please read the Risk Disclosure carefully.

The ladder builder divides a lump sum across several plans so that positions mature in sequence. This spreads your capital across tenors and produces a regular stream of maturing principal rather than a single maturity date.

Passwords are hashed with Argon2id. We support time based one time passwords for two factor authentication, trusted device recognition, login lockout after repeated failures, and session management that lets you revoke any device.

A personal word or phrase that you choose. We include it in every email we send so that you can immediately recognise a genuine message from Helvetica Credit Investment. Any email claiming to be from us without your code should be treated as fraudulent.

We process personal data in accordance with the Swiss Federal Act on Data Protection and the General Data Protection Regulation. Identity documents are stored encrypted outside the web server and are accessible only to authorised compliance staff. Details are in our Privacy Policy.

Client assets are held in segregated accounts with regulated Swiss banking and custody partners and are never commingled with company operating funds. See the Custody Statement for details.

Open a ticket from your dashboard or the public support page, email our support address, or call our Zurich or New York office on business days. Clients may also schedule a call with a relationship manager.

Submit a complaint through the support centre selecting the complaint category. We acknowledge every complaint within two business days and provide a substantive response within fifteen business days. Our Complaints Policy explains the escalation path.

Yes. Once your balance is zero and you have no active investments, you may close your account from the settings page. We retain records for the period required by Swiss law and then delete or anonymise them.