# How are my assets held?

Category: Hold
Source: https://strike.me/support/how-are-my-assets-held/

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## How your cash balance is secured



Dollars in personal accounts are held at Cross River Bank and, in business accounts, at Lead Bank, both members of the FDIC.


## How your bitcoin balance is protected

Strike holds your bitcoin in full reserve using multi-signature vaults in cold storage.

## How your credit collateral is held

:region-only[[Collateral backing a loan or line of credit](/support/how-do-i-borrow-against-bitcoin) is segregated from company funds and held in wallets or accounts by]{in="us"} Strike Lending or one of its capital providers, and it’s **never rehypothecated further**. Your bitcoin is never lent out, shorted, or transferred to any other third party.

Strike Lending publishes the findings of an Agreed-Upon Procedures (AUP) engagement conducted by FGMK LLC, an independent accounting firm, in accordance with AICPA attestation standards.

The firm performs five procedures every quarter to verify the bitcoin collateral held on behalf of US customers. In all past reports, all five procedures were completed with no exceptions found:

- Loan and collateral balances in Strike Lending’s records matched the loan system data
- All bitcoin collateral existed on-chain at segregated addresses held by Strike Lending or its capital providers
- No contractual terms permitted rehypothecation or lending of customer bitcoin
- The aggregate loan-to-value ratio remained within the documented margin call threshold
- Total bitcoin held equaled total customer bitcoin collateral balances

Read past reports:

- [December 31, 2025](https://www.datocms-assets.com/99305/1777045902-strike-lending-proof-of-reserves-december-31-2025.pdf)
- [March 31, 2026](https://www.datocms-assets.com/99305/1777046109-strike-lending-proof-of-reserves-march-31-2026.pdf)
- [June 30, 2026](https://www.datocms-assets.com/99305/1783970828-strike-lending-proof-of-reserves-june-30-2026.pdf)

From Strike's help center — https://strike.me/support/