Case summary
What happened
Mirising Co., Ltd. states that Smart Crypto Lending began service in June 2025, but does not publish an exact launch day, so CYA leaves launch_date unset rather than inventing a date. Current first-party terms define 1-, 3-, 6- and 12-month crypto lending contracts. Customers send crypto to a company-designated wallet; after the term, principal plus same-asset interest is placed in the customer's service wallet and may be withdrawn under the published process. The terms also state that the transaction is not a deposit, is not deposit-insured, the borrowed crypto is not subject to statutory segregated management under the cited exchange-business framework, and the lending is unsecured. Current website rates, cold-wallet/security language, risk-management descriptions and investment-strategy statements are preserved only as issuer claims, not independent proof of realized returns, reserves, solvency or principal protection.
Customer result
Customer outcome
Not applicable
The contractual promise to return principal plus interest after the lending term is a product term, not evidence of universal realized repayment. CYA found no first-party evidence in this review of a platform-wide adverse customer outcome, and does not infer solvency or repayment performance from the continued availability of the service.
- Estimated recovery
- Not applicable
- Repayment started
- —
- Repayment completed
- —
- Confidence
- High
Asset treatment
Terms risk
Platform-owned
The contract is not a deposit and is not deposit-insured. Published terms define 1/3/6/12-month lending periods, permit rate changes, and state that after maturity withdrawal applications are normally returned within seven business days. They also enumerate circumstances in which withdrawal can be delayed or refused, including market stress, concentrated return requests, legal constraints and operational conditions. The terms expressly warn that principal and interest may not be returned if the company fails. Current marketing rates and cold-wallet/security statements are not independent guarantees.
- Affected product
- Smart Crypto Lending
- Confidence
- High
The first-party agreement is explicitly structured as an individual crypto consumption loan to ミライジング株式会社. The customer sends the asset to a company-designated wallet; the company is the borrower and owes return of the same type and quantity plus contractual interest after the agreed term. The terms state that the borrowed crypto is not subject to statutory segregated management under the cited exchange-business framework and that the transaction is unsecured. CYA therefore treats the contractual asset position as platform-owned / counterparty-exposure rather than segregated customer custody during the loan term.
Known unknowns
Uncertainty
The first-party company page establishes only a June 2025 service-start month, not an exact launch day. Current published rates and product/security descriptions can change and are not independently verified performance, reserve, insurance or solvency evidence. The terms permit rate changes and describe circumstances in which withdrawals can be delayed or refused, including market stress, concentrated return requests, legal or operational constraints.
Chronology
Historical record
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Source record
Evidence dossier
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Entity
1 sources選べるプラン＆自動更新！SCLの暗号資産レンディングで柔軟な運用
Smart Crypto Lending
Current first-party product surface lists BTC, ETH, ADA, TRON, USDC and USDT lending, fixed-term plans and issuer-advertised rates, and describes diversified crypto investment destinations plus cold-wallet/security controls. CYA uses the page to verify the active product surface only; its rate, safety, custody and investment-strategy claims are not independently verified realized return, reserve proof, guarantee or solvency evidence.
launch date
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Smart Crypto Lending / ミライジング株式会社
First-party company page identifies ミライジング株式会社 as the operator and lists Smart Crypto Lending's service start as June 2025. It does not establish an exact launch day, so CYA does not populate a synthetic YYYY-MM-DD launch_date.
terms risk
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Smart Crypto Lending / ミライジング株式会社
First-party terms define individual crypto consumption-loan contracts, 1/3/6/12-month terms, company-designated-wallet funding, same-asset interest, maturity withdrawal requests and a stated seven-business-day return process. They also state that the transaction is not a deposit, is not deposit-insured, borrowed crypto is not subject to statutory segregated management under the cited exchange-business framework, the lending is unsecured, and principal/interest may not be returned if the company fails. The terms also permit rate changes and defined withdrawal delay/refusal conditions.
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Comparative records