Introduction

For decades, treasury managers have relied on traditional instruments—bank deposits, bonds, and money market funds—to preserve capital while generating modest returns. But in a low-yield environment, these tools are no longer sufficient. At the same time, digital assets have emerged, offering attractive yields but often burdened by volatility and risk.

Digital credit bridges the gap. It combines stable returns, institutional-grade security, and 24/7 liquidity without the exposure to crypto market swings.

The Problem with Traditional Yields

• Deposits under pressure: Interest rates remain historically low in many regions, limiting treasury performance.
• Liquidity restrictions: Exiting certain funds requires notice periods or lock-ups of 30–90 days.
• Opaque reporting: Quarterly disclosures don’t provide the transparency institutions now demand.

For treasuries, family offices, and funds, these limitations mean opportunity costs and inefficiencies.

The Rise of Digital Credit

Byzantine’s digital credit solutions bring a new standard to treasury management:

• Stable Returns → Consistent yields around 9.25% APY.
• 24/7 Liquidity → No lock-ups, no exit gates, full access anytime.
• No Digital Asset Volatility → Overcollateralised loans backed by USD or fully hedged EURC.
• Institutional Security → Built with the same compliance, audit, and custody frameworks used by leading fund managers.

Use Cases

Digital credit isn’t just theory—it’s already being adopted:

• Crypto Treasuries → Outsource risk and secure benchmarkable yields.
• Family Offices → Diversify into digital markets safely, following peers already allocating.
• Asset Managers / VCs → Differentiate portfolios with transparent, verifiable yield streams.
• Corporate Treasuries → Enhance balance sheets beyond bank deposits with audit-ready reporting.
• Hedge Funds → Tap into uncorrelated yield opportunities.
• Fintech Platforms → Plug-and-play high-yield products for end users.

By the Numbers

• 9.25% APY — Stable, benchmarkable performance.
• 0% Bad Debt — A spotless fund manager track record.
• Growing AUM — Strengthened by the trust of institutional clients.

Conclusion

The future of treasury management lies in digital credit—a secure, transparent, and efficient alternative that delivers real returns without exposing institutions to unnecessary volatility.

At Byzantine, we’re building products that let treasuries, funds, and corporates step confidently into this new era of finance.