Introduction
Watch the introduction.
Who we serve
Built for affluent individuals, high-net-worth clients, and businesses.
Longstone is being built for customers who expect more from a bank.
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Affluent individuals and families
Everyday banking, cards, payments, and digital assets in one relationship.
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Private clients
Private Client Services is designed for higher-value relationships, including clients with $1 million to $10 million in balances, who are not always well served by larger institutions.
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Businesses
Operating accounts, payments, treasury, and credit for operating companies.
Service, built in.
Longstone custom-built its customer relationship system and its customer tools so that it can deliver industry-leading service, particularly for Private Client Services.
The platform
The platform is built.
Longstone has written the software for an industry-leading modern bank, from account opening and real-time payments to lending against Bitcoin, seamless conversion to and from stablecoins, and the tools bank staff will work in. It is in testing today. Longstone leverages established third-party vendors for key areas such as the core banking system, compliance, and custody.
- 26applications and modules
- 1.3 million+lines of purpose-written code
- 25,000+automated tests
Figures as of September 28, 2026.
The platform is in pre-production. It has not operated with customer funds and has not been independently audited.
Banking should do more.
Cards built for how you choose to spend.
Bitcoin, built into your bank.
Four ways to buy and sell, without outgrowing your bank.
Bitcoin-Backed Loans
A loan secured by Bitcoin,
with 12-month interest-only rates at 9.95% APR and lower.
Concept only; Longstone does not currently offer banking or lending products.
Loan calculator for illustrative purposes only. Longstone Financial does not offer loan products.
Illustrative loan example
Loan type
You make equal monthly payments over the term of the loan until fully paid.
Estimated collateral required
2.6671 BTC
at 50.0% initial LTV, Bitcoin at $112,480 (as of 11 Jun 2026)
- Interest rate
- 8.625%
- APR (incl. fees)
- 9.05%
- Term
- 60 months
- Origination fee
- $1,500 (1.00%)
- Est. monthly payment
- $3,086.52
- Payment at maturity
- $3,086.52
- Total of payments
- $185,191.46
- Est. liquidation price
- $70,300
This calculator is for illustrative purposes only and depicts a hypothetical loan product. Longstone is not currently a bank or lender and does not currently offer loans or accept loan applications. Longstone is not an FDIC-insured depository institution. Nothing shown constitutes an offer, solicitation, commitment to lend, or indication that any product, rate, term, or feature will be available in the future. The example assumes a 50% initial LTV, a Bitcoin price of $112,480, and the illustrative rate and terms shown above. APR includes the modeled origination fee as a prepaid finance charge netted from the hypothetical disbursement. Total of payments represents the sum of scheduled payments over the selected term. Liquidation price represents the approximate Bitcoin price at which the modeled loan would reach an 80% LTV. Borrowing against digital assets can involve significant risk, including liquidation and loss of collateral.
Risk design
Built for the drawdown.
Bitcoin’s price moves. The lending design assumes it will.
- 50% Loan starts
- 65%, 70%, 75% Borrower warned
- 80% Collateral sold
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Held in custody
Bitcoin pledged as collateral is designed to stay in custody for the life of the loan, and will not be rehypothecated (lent to anyone else).
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No view on price
The bank never takes a position in Bitcoin. Income is generated from traditional sources: interest and fees.
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Automatic margin rules
Under the design, a loan starts at 50% loan-to-value. The borrower is warned at 65%, 70%, and 75%, and collateral is sold at 80%. With the loan balance unchanged, Bitcoin would have to fall 37.5% from the day the loan is made to reach that point.
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Limits set by policy
The design caps lending against digital assets as a share of the bank’s loans.
This describes the design of a product Longstone does not currently offer. Borrowing against digital assets involves significant risk, including liquidation and loss of collateral.
We’re building a bank that can adapt to what you need.
Creating a bank built to understand how you operate.
and treasury with less friction.
alongside your business accounts.
Where we intend to specialize.
shouldn’t require a patchwork of providers.
A different foundation
You don’t reinvent banking
by putting a better app on top.
That’s why Longstone is seeking to acquire a full-service, OCC-chartered, FDIC-insured bank:
to build the institution itself around the way customers actually want to bank.
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Built around the customer
Deposits, real-time payments, stablecoins, digital asset trading, custody, lending, and products designed to work together inside one institution.
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Use the balance sheet
Make real lending decisions instead of
handing customers off to someone else. -
Build for the long term
Modern technology with the safety, soundness,
and discipline expected of a bank.
The path.
- Current step
Acquire
Complete the acquisition of a full-service, OCC-chartered, FDIC-insured bank, subject to regulatory approval.
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Launch
Bring the platform into service on that bank’s charter.
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Expand
Add products deliberately, each one after its controls are in place.
Each step depends on regulatory approval. Longstone is not a bank today.
Leadership
Led by career bankers.
Twelve senior officers lead Longstone, with decades in banking, risk, compliance, technology, and markets.
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Gene A. Grant II Chief Executive Officer & Chairman, Founder -
Ora Helmholz Chief Operating Officer -
F. Stephen Helmholz Chief Customer Officer & Head of Private Client Services, Executive Director -
Katherine Avery Chief Risk Officer -
Mario Flores Deputy BSA Officer -
Michael W. Clayton Chief Technology Officer & Information Security Officer -
Gene Grant III Head of Products -
Katherine Rupp Marketing Director