Navigating the world of crypto-backed loans can be overwhelming, but according to Bryan Courchesne, founder of DAiM.io, an asset management firm, clients don’t have to do it alone.

“They’re not doing it alone. Who wants that?” Courchesne said in a conversation on TheStreet Crypto Roundtable with Ledn’s Chief Sales Officer Mauricio di Bartolomeo. “They wouldn’t just be facing you when these loans get large — six, seven figures — in the traditional space. This is done with a team. You wouldn’t just do this by yourself.”

Ledn and DAiM have partnered to bridge the gap between crypto-backed lending and investment advisory services, offering clients an added layer of oversight and strategic planning.

Stripping motion from crypto loans

For many, securing a crypto-backed loan is far more complex than simply holding assets on an exchange. With collateralized lending, volatility can trigger margin calls or forced liquidations. Courchesne noted that DAiM ensures clients have a structured plan from the start to mitigate emotional decision-making.

“You never want them to be in an emotional place where they have to make a rash decision,” he explained. “We try to go back and say, ‘Hey, look, before you put the loan on and there were no emotions, these were the plans for these situations and what we were going to do. We need to stick with those. Let’s not deviate from the investment plan.’”

Di Bartolomeo echoed this point, likening the process to acting as a financial Sherpa — guiding clients with clarity and discipline.

“To your point, I had another guest a few weeks back talking about algorithms versus professionals, and how algorithms always beat professionals — even when trained on the same data,” he said. “And it goes back to this idea of stripping emotion from a decision.”

Transparency and oversight in crypto lending

In traditional finance, high-value loans are handled by teams of professionals rather than individuals navigating the process alone. DAiM and Ledn aim to replicate this structure within the crypto space by offering continuous oversight and transparency.

“We want to be very clear and transparent with our clients on where they’re at with the loan,” Courchesne explained. “If Bitcoin has gone up a lot, maybe some of the collateral is able to come back to the client. But then in the other direction, should things sell off, we need a plan in place.”

Crypto lender Ledn recently earned an A- credit rating from Decision Technology, signaling low default risk with just 0.43% probability of default and 10% expected loss severity, well below the industry