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Back guarantees with collateral held in a vault.

Anvil's collateral vault reserves digital assets for car loans, BNPL plans and marketplace payments, then releases them when the obligation ends.

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Built on three primitives: a collateral vault, digital letters of credit and time-based collateral pools.

Reserve for Harrow & Finch Motors

Vault ••4417, 23 Oct 2026, 09:12 UTC

2,486.20USDC

Collateral
1.1842 wstETH
Reserved
2,486.20 USDC equivalent
Loan-to-value
58.4%
Releases
pro rata, on each payment

Reservation active, first payment 14 Nov 2026, 09:00 UTC

Confirm reservation

0

named collateral tokens in the vault today

WETH, USDC, WBTC, LINK, USDT, sUSDe, wstETH and cbETH. A lender can price a loan against these before it is signed, and a new token enters only through a governance proposal. Source

  • Available and reserved balances are separate states in the vault.
  • New tokens enter through Anvil Governance proposals.

A car loan secured by wstETH, from quote to final payment

One buyer, one vehicle, one reservation. The collateral stays reserved in the buyer's vault for as long as the loan runs.

  1. 23 Oct, 09:12

    Reservation confirmed

    Harrow & Finch reserves 1.1842 wstETH for a 48-month car loan. The vault moves that amount from available to reserved, and nothing leaves the vault.

  2. 14 Nov 2026

    First payment clears

    The reservation drops by the principal repaid. The buyer's available balance grows by the same amount.

  3. Oct 2030

    Final payment

    The last instalment releases the remaining reservation. All of the collateral is back in the buyer's available balance.

The buyer drives away on day one, and the wstETH stays reserved only while the loan runs.

Lenders see reserved and free collateral as two numbers

Each deposit splits into an available balance and a reserved balance. A reservation moves value between the two, so a lender can see exposure without moving the assets.

Vault position, ••4417

Available
0.6315 wstETH
Reserved
1.1842 wstETH
Reservation
RSV-4417, active
Released on
each payment, pro rata

Merchants fix the terms, customers choose the amount

The SDK booking form shows the terms the merchant set and locks them. The customer picks the amount and the collateral that backs it, with no blockchain code on the merchant's side.

Booking guarantee, Gulfline Hotels

Beneficiary
Gulfline Hotels, ••0931
Expires
30 Jun 2027, 12:00 UTC
Reserve
0.35 cbBTC
Terms set by
merchant, locked

Reserve collateral before your next loan closes

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