Case summary
What happened
PBR LENDING is currently active and is presented by Portobello Road株式会社 as its crypto-asset lending business. Current first-party terms define individual customer-to-company crypto-asset consumption-loan contracts, with Regular and Premium plans using different lock periods and advertised rates. The operator states that borrowed crypto is used in crypto-market operations and/or business investments. Current terms also state that the arrangement is not a deposit or deposit-insurance product, is not crypto-asset exchange business, provides no physical or personal collateral, and leaves customers as general creditors in company insolvency. CYA records the operator's published economic model and contractual terms without treating advertised rates, security claims, internal reserve claims, business-investment performance or repayment claims as independently verified realized performance, guarantees, reserves or solvency evidence.
Customer result
Customer outcome
Not applicable
Contractual return obligations and current active operation do not prove universal realized repayment or solvency. Current first-party terms expressly disclose unsecured counterparty and insolvency risk and state that customers become general creditors in insolvency.
- Estimated recovery
- Not applicable
- Repayment started
- —
- Repayment completed
- —
- Confidence
- High
Asset treatment
Terms risk
Platform-owned
Current advertised rates, lock periods, supported assets and return procedures can change. Operator claims about security, internal reserves, business investments and repayment performance must not be presented as independent guarantees, reserve proof or solvency evidence.
- Affected product
- PBR LENDING
- Confidence
- High
Current first-party Terms define PBR LENDING as crypto-asset consumption-loan transactions between customers and Portobello Road株式会社. The Terms state that the lending transaction is not a deposit, is not deposit-insured, is not crypto-asset exchange business, and that borrowed assets are outside statutory segregated-management treatment. They say no physical or personal collateral is provided. Although the operator describes operational separation of borrowed assets from company assets, it expressly says this is not legally complete trust protection and that customer claims become general claims alongside other creditors in insolvency. CYA therefore treats the economic structure as platform-owned / borrower-counterparty exposure during the lending contract, without making a broader legal-title determination beyond the published terms.
Known unknowns
Uncertainty
The current public site describes a third-anniversary campaign, but the reviewed first-party sources do not establish a sufficiently reliable exact original launch date, so launch_date remains null. Advertised rates, campaign terms, asset support and lock/return procedures can change. Operational separation language in the Terms is not treated as legal trust protection; the same Terms state that customers become general creditors in insolvency.
Chronology
Historical record
No events yet.
Source record
Evidence dossier
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Entity
1 sources企業情報
Portobello Road株式会社
Current first-party company page identifies Portobello Road株式会社 as the operator of PBR LENDING and describes its crypto-asset lending business and stated use of borrowed assets in business activity. Company descriptions of performance and sustainability are not independent solvency evidence.
status
1 sourcesPBR LENDING
Portobello Road株式会社
Current first-party service surface confirms active PBR LENDING operations, supported assets and Regular/Premium lending plans. Advertised rates and promotional claims remain issuer statements, not independently verified realized returns or guarantees.
terms risk
2 sourcesご利用約款
Portobello Road株式会社
Current first-party Terms define PBR LENDING as customer-to-company crypto-asset consumption-loan transactions, explain individual-contract formation, Regular/Premium plan mechanics, return and interest treatment, and state that the arrangement is not deposit-insured or crypto-asset exchange business. The Terms also state there is no physical or personal collateral and describe customer claims as general claims in insolvency.
暗号資産消費貸借取引に関する重要事項説明書
Portobello Road株式会社
First-party risk disclosure says borrowed customer crypto is used in various forms of operation and/or business investment and identifies price, counterparty, liquidity, system and regulatory risks. It states that failure of the company or lending/investment counterparties can make asset return difficult or impossible. The described yield model is an operator statement, not independently verified investment performance.
No evidence records match the current filters.
Comparative records