Banks, fintechs, and investment funds convene at the Bitcoin Capital Summit in Lugano to explore Bitcoin’s role as sound collateral in modern credit markets
Bitcoin is no longer just a store of value or a speculative asset. Across the world, more lenders, banks, and fintech platforms are exploring a new concept using Bitcoin as the foundation for a safer and more transparent credit system. What was once a niche idea is fast becoming a serious financial trend, one that could soon rival traditional models of secured lending. In this new landscape, an overcollateralized Bitcoin loan may even be viewed as less risky than a mortgage backed by real estate.
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This shift took center stage at the Bitcoin Capital Summit, held in Lugano on October 23. The invite-only event, hosted by Fulgur Ventures, Blockstream, STOKR, Debifi, and H100, brought together institutional lenders, banking executives, investment funds, and Bitcoin innovators. The focus was clear to explore how Bitcoin, as sound money, can anchor a sound financial system. Experts and leaders from PwC Italy, Sygnum Bank, and Luzerner Kantonalbank shared their insights on how Bitcoin’s transparency and global liquidity are reshaping lending, custody, and compliance across institutional finance.
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Adam Back, CEO of Blockstream, emphasized how Bitcoin’s foundational principles are beginning to influence mainstream finance. “Bitcoin is becoming the foundation for a more transparent and secure credit system,” he said. “By building institutional-grade infrastructure on Bitcoin, we’re aligning modern finance with the principles of sound money.”
The event also underscored the growing collaboration between traditional financial institutions and Bitcoin-native companies such as Blockstream, Ark Labs, and Debifi, with strong support from Fulgur Ventures. This partnership reflects a broader industry movement toward merging Bitcoin’s trust-minimized architecture with the risk management and compliance standards of regulated finance.
Preston Pysh, General Partner at Ego Death Capital, described Bitcoin as the purest form of collateral ever created — verifiable, transparent, and globally liquid. He explained that lending systems built on overcollateralized, trust-minimized principles are not only safer for lenders and borrowers but also form the foundation of a sounder and more resilient financial future.
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Further strengthening this view, Benedikt Koedel, Head of Credit & Lending at Sygnum Bank, shared how his institution integrates Bitcoin into its credit operations. “We treat Bitcoin not just as collateral but as a pristine credit anchor inside a fully regulated banking framework,” he noted. “It’s about combining institutional-grade risk controls with the flexibility and efficiency of digital finance.”
The Bitcoin Capital Summit reaffirmed Lugano’s growing reputation as a hub for Bitcoin-based financial innovation. What began as an experiment in overcollateralized crypto loans is quickly transforming into a movement redefining the concept of credit itself. As financial institutions and Bitcoin innovators continue to collaborate, the future of lending could soon rest on the world’s most transparent and liquid digital asset.
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