The Bitcoin Credit Stack
all rates APR, act/365 · as of 2026-09-16
MarketsVenues Galaxy Digital

Galaxy Digital

cefi_galaxy · cefi_desk · operated by Galaxy Digital Inc. · registered
Price
bilateral_unpublished
no market rows served for this venue
Quality
0 / 10 criteria
missing: Oracle dependency, Default & liquidation, Term structure +6
Composition
not served
this venue runs no contracts, so there is no market state to read

0 of 10 criteria researched. Unresearched criteria are shown as unknown with the reason — never guessed, and never omitted. What the eight criteria are →

Markets — as served, not a venue rate

One row per market, as the venue publishes them. These are market rates: combining them into a single venue rate is a weighting across this venue's markets, and choosing one here would be a methodology decision taken in a web page.

No BTC market rows are served for this venue. This venue runs no contracts, so there is no market state to read — the absence is a property of the venue class, not a gap.

Price

What does credit cost here, and how is the price formed?

Rate formationbilateral_unpublished
Term structureunknown (not researched yet)
Rate certaintyunknown (not researched yet)

Quality

What stands behind a position, and what can change under the reader?

Oracle dependencyunknown (not researched yet)
Default & liquidationunknown (not researched yet)
Custody & backingunknown (not researched yet)
Recourseunknown (not researched yet)
Track recordunder 1 month observed (since 2026-09-16). No incident recorded — which is "none observed", not "none occurred".
source
Derived from the registry's first_date for this venue, measured to 2026-09-16. Months observed is how long THIS DATASET has observed the venue, which is a lower bound on how long the venue has existed.

Composition

Who and what makes up this market?

Collateral acceptedunknown (not researched yet)
Book depth & concentrationunknown (the criteria spec defines this (Pillar III) but the attribute matrix has no column for it yet — a gap in this dataset, not in the venue)
Observability
price: noneNo posted card this estate can read. Galaxy's institutional lending is negotiated per counterparty, which is `bilateral_unpublished` in the same sense as Maple — a rate exists per loan and none of them is quotable to a named borrower. A retail BTC-collateralised credit line was announced 2026-08-25 and is not yet read here.
quantity: partialA PUBLIC FILER, which is why this venue is registered at all: Galaxy reports its lending book in SEC filings (loans receivable, with collateral payable in digital assets), quarterly and audited — the only desk on this surface whose book carries an auditor's assurance rather than a reporter's disclaimer. Over $1.1bn of loans at the end of Q2 2026 per its filings. NOT YET INGESTED: the figure must be read from the filing itself to cefi_book_observations (migration 094), with the accession number on the row, exactly as the corporate instruments are read. Registered now so the absence is a named gap rather than a venue nobody listed.
composition: noneThe filings report a lending book, not a collateral composition: which collateral secures which loan is not disclosed, and the digital assets payable line mixes collateral types. Nothing here supports a bitcoin share.

Backing chain

backing_chain (v1 §9.5, D29): the ordered claims standing between a creditor and the coins, each link derived from a sourced fact already held and carrying it in `derived_from` — the custody cell, the venue's borrow card, or wrapper_registry.yaml for who holds the bitcoin behind a token. A `representation` link has one branch per token the venue takes; branches are alternatives, not a sequence. A link nobody has established is shown with status `incomplete` and names what is missing — it is never dropped, because a missing link omitted makes a long chain look short. `undisclosed` means the party does not publish it; `incomplete` means this dataset has not established it. NEVER SCORED AND NEVER COUNTED: no length, link count or ranking is published, and none should be derived — chain length and link transparency are orthogonal (ETP-backed margin is the longest chain here and every link of it is regulated). `recourse` is what the creditor holds beyond the chain. ⚠ Tokens are identified BY SYMBOL: the wrapper registry is not keyed by chain or address, so every `representation` link carries a `deployment` step that is incomplete — whether a token is native to the chain of the venue or a bridge receipt (one more link) is not established — and a symbol the registry knows to name a different token on a venue is shown unresolved, not given that wrapper's holders.

  1. desk incomplete
    custody_model
    source
    attribute · custody_model
  2. sub_custodian incomplete
    no borrow card for this venue names one
  3. reuse incomplete
    no borrow card for this venue carries a custody model
Recourse: unknown (not researched yet)

The generic axis set

Identical for every venue, identically computed. An axis that cannot be computed here renders its reason — never silently omitted, because an omitted axis says it was not considered.

Collateral lockednot available — this venue runs no contracts, so there is no market state to read
Debt outstandingnot available — this venue runs no contracts, so there is no market state to read
Utilisationnot available — this venue runs no contracts, so there is no market state to read
Venue-level borrow APRnot available — this venue runs no contracts, so there is no market state to read
Venue-level lend APRnot available — this venue runs no contracts, so there is no market state to read
Intermediation marginnot available — this venue runs no contracts, so there is no market state to read
Trailing realised average (7/30/90d)not available — no per-venue time series is held, so a trailing figure would be a single reading dressed as an average
Rate volatility (30/90d)not available — no per-venue time series is held, so a trailing figure would be a single reading dressed as an average
Spread to the pair aggregatenot available — this venue runs no contracts, so there is no market state to read
Spread to matched Treasuriesnot available — this venue runs no contracts, so there is no market state to read
Origination flownot available — needs loan-level history, which is held for Morpho Blue only
Repayment flownot available — needs loan-level history, which is held for Morpho Blue only
Aggregate and distributional LTVnot available — needs loan-level history, which is held for Morpho Blue only
Residence distributionnot available — needs loan-level history, which is held for Morpho Blue only
Liquidation incidencenot available — needs loan-level history, which is held for Morpho Blue only
Top-10 concentration sharenot available — needs loan-level history, which is held for Morpho Blue only

There is no score on this page and none will be added. The criteria are published and versioned before any venue is measured against them, and this venue's row is produced by the same pipeline as every other.

Access routes

Not yet surveyed. No one has looked for an MCP server for this venue. That is not the same as having looked and found none, and this row will not say the second while meaning the first. The listing criteria are published.

Ask your own question about this venue
read-only MCP · zero write tools · no account

How this venue compares depends on what you'd borrow, for how long, against what. That's a question for your AI, with this data behind it.

Orientation · Galaxy DigitalHolder · Galaxy DigitalTreasurer · Galaxy DigitalAnalyst · Galaxy DigitalRisk · Galaxy Digital
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