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HCI Swiss private credit since 2014 Zurich +41 44 585 20 60 New York +1 (212) 804 5790
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How It Works

From your first login to your first yield payment, the process is designed to be clear, secure and fully documented. Here is what happens at every stage.

Platform overview
The journey

Five stages, each with a clear outcome.

We have removed the friction that normally surrounds private credit while keeping the controls that protect your capital. Each stage below has its own safeguards and each one leaves a record you can review at any time from your dashboard.

Start at stage one
Stage one

Registration and verification

Create your account with your name, email address and country of residence. We send a verification link immediately. Once verified, you receive a unique account number and a virtual Swiss reference IBAN that identifies your bank deposits. We strongly recommend enabling two factor authentication at this point, which takes under a minute with any authenticator application.

Identity verification (KYC) becomes mandatory once cumulative deposits exceed the published threshold. You may complete it earlier to unlock higher limits.

Stage two

Funding your wallet

Deposit in Bitcoin, Ethereum, Tether (TRC20 or ERC20), Litecoin or Tron through our payment processor, or send a bank transfer in dollars, euros, Swiss francs or pounds. Crypto deposits are credited automatically after network confirmation. Bank transfers are credited by our treasury team on receipt, typically within one business day of arrival.

Every deposit has a unique reference and a status page that you can follow in real time.

Stage three

Selecting a plan

Choose a plan from Foundation to Sovereign based on your available capital. The investment form shows daily, total and maturity values before you confirm. You may attach the position to a savings goal, enable automatic reinvestment of yield, or use the ladder builder to split capital across several tenors so that maturities arrive in sequence.

Stage four

Daily yield posting

Every twenty four hours our scheduler calculates yield on each active position and posts it to your wallet as a separate ledger entry. Your yield calendar shows every future payment date. At maturity, principal is returned in full. If automatic reinvestment is enabled, matured capital flows straight into a new position in the same plan.

Stage five

Withdrawals and reporting

Request a withdrawal to any whitelisted address or bank account. New addresses activate after a twenty four hour cooling period, and every request requires your two factor code when enabled. Withdrawals are reviewed and released by our treasury team, usually within one business day. Set up recurring withdrawals to receive your yield weekly or monthly without lifting a finger. Statements, investment certificates and annual tax summaries are available as PDF downloads at any time.

Safeguards

Controls at every step.

Account security

Argon2id hashing, login lockout, trusted devices and session management you control.

Identity assurance

Tiered KYC with document review by compliance staff, never automated alone.

Withdrawal protection

Address whitelisting, cooling periods, daily limits and two factor confirmation.

Immutable records

Hash chained audit log and complete transaction ledger available for export.

Questions before you begin?

Read our frequently asked questions or schedule a call with an advisor.