The Map
Traditional Prime Brokerage
Optimises legacy rails through custody and coordination. Valuable, but structurally layered with delayed settlement.
Fintech Intermediation
Streamlines the same processes for convenience. Core incentives and opacity often remain.
DeFi Lending (Crypto)
Efficient for crypto collateral. Not tuned to equity market structure or institutional requirements.
- Settlement & Operations
- Access & Transparency
| Feature | Edel Finance | Swissquote | Interactive Brokers | Vontobel |
|---|---|---|---|---|
| Settlement Cycle | Instant | T+2 | T+2; optional T+1/T+0 | Institutional T+2 |
| Revenue Share | 10% on interest paid | 50% split after fees (~75%) | 50% split after fees (~75%) | Negotiable |
| Payment Timing | Per block | Monthly | Monthly | Custom contract-based |
| Interest Rate | Utilization curve | Market | Market | Negotiated |
Advantage: Protocol-native settlement eliminates the multi-day settlement cycles that create counterparty risk and capital inefficiency in traditional systems.
Edel’s Lane
Purpose-Built for Equities
Purpose-Built for Equities
Protocol-native lending for tokenised stocks, with mechanisms tuned to securities markets.
Protective Transparency
Protective Transparency
Explicit terms, visible fees, and auditable flows—defaults, not features.
Institutional & Inclusive
Institutional & Inclusive
Policy-based access for institutions and individuals on the same rails, consolidating liquidity.
Edel defines the on-chain category for tokenised equity lending—specialised infrastructure, not a feature.