About us
Credit built
for the crypto era.
Haida Capital is reshaping how people access credit — building safe, fast, inclusive financial products on top of the cryptocurrency ecosystem since 2017.
Founded
2017
Abbotsford, BC
Licensed in
87
countries worldwide
Loans funded
$0
and counting
Team
0
across 6 offices
Our story
From HODL to liquidity.
Decentralized finance shouldn't mean inaccessible finance. We started Haida Capital because the people holding the most crypto were the ones least served by traditional credit. Banks couldn't price them. Brokers made them sell.
We built a lending platform that turns digital assets into liquidity in days, not months — and does it without forcing anyone to give up their position. Eight years in, we've funded over a billion dollars in loans without ever asking a single borrower for a credit score.
Mission
Seamless, secure, instant.
Make borrowing seamless, secure, and instant — the financial services of the future, available to anyone with a wallet.
Vision
Credit without gatekeepers.
A world where the credit you access depends on what you own — not where you were born or who your bank knows.
What we stand for
Six principles,
no compromises.
The guardrails we built the company around — the rules that shape every product decision we ship.
Security first
Every borrower's collateral sits in multi-sig cold storage with account-level segregation. No single signer, no hot wallet.
Speed as a feature
Verified accounts get funded same-day. We'd rather rebuild an internal tool than ask a borrower to wait another hour.
Transparency
Rates, LTV, liquidation rules — every term is visible before you sign. No hidden fees, no surprise margin calls.
Inclusivity
Credit shouldn't depend on the country your passport was issued in. We onboard globally without traditional bureau checks.
Compliance by design
Regulated as an MSB in every jurisdiction we operate in. AML/KYC is built into the product, not bolted on.
Long-term thinking
We survived 2018, 2020, and 2022. Our book is conservatively margined — we'd rather grow slower than blow up fast.
Milestones
Eight years of
building carefully.
2017
Founded in Abbotsford
Three engineers and a former credit officer. First BTC-backed loan issued in October.
2019
International expansion
Licensed to lend across the EU, LATAM, and parts of Asia-Pacific. First $50M month.
2021
Stabilization launched
Borrowers can now convert volatile collateral into stablecoin without selling. Saved thousands during the 2022 crash.
2023
A billion dollars funded
Ten thousand active borrowers. Business-loan product scales to $10M corporate tranches.
2025
Today
142 people, 6 offices, 87 supported countries. Still no FICO checks. Still multi-sig cold storage.
Leadership
The people behind
the product.
Operators from payments, risk, crypto infrastructure, and compliance — a team that's shipped this before.
Adrian Reyes
Co-founder & CEO
Prev. head of lending at a top-five remittance fintech. Wrote the first version of our risk engine on a flight from Singapore.
Mira Kanda
Co-founder & CTO
Former staff eng at a major custody provider. Architected our multi-sig vault infrastructure from zero.
Tobi Okonkwo
Chief Risk Officer
15 years in credit risk across commercial banking and DeFi. Oversees every loan that crosses $250k.
Sana Leroy
Head of Compliance
Former regulator. Built our AML/KYC program and keeps us licensed in 87 jurisdictions.
of compounding trust
funded without bureau checks
across fintech & crypto
active this quarter
In the press
Covered by the
people we read.
The Block
“Haida's multi-sig vault model has become the template other crypto-lenders copy.”
CoinDesk
“One of the only crypto lenders that came through 2022 without haircuts to customer funds.”
Fintech Weekly
“A rare fintech that prices risk honestly and ships features borrowers actually use.”
Where we work
Six offices,
one codebase.
Regulated entities on four continents. Local support in the languages our borrowers actually speak.
Headquartered in Abbotsford, BC. Operations distributed to stay close to borrowers across time zones.
Abbotsford
Headquarters · Product & risk
London
EMEA compliance & sales
Singapore
APAC operations
Dubai
MENA desk
São Paulo
LATAM operations
Join us
We're hiring
across every team.
Engineering, risk, compliance, support — we look for operators who care about getting this right for the long run.