# Valor

Valor is a credit card backed by your financial assets — brokerage accounts, home equity, and insurance cash value.

## What it does
Valor lets asset-rich consumers access liquidity without selling investments, triggering tax events, or taking on expensive personal loans. Users link their assets, receive an LTV-based credit line, and spend anywhere Visa/Mastercard is accepted.

## Who it's for
High-income earners, tech employees with RSUs, and mass affluent consumers who are asset-rich but cash-constrained.

## Key facts
- No selling required — keep your portfolio compounding
- Real-time underwriting based on asset value (no hard credit pull)
- Conservative LTV (30–60% for securities, up to 80% for life insurance cash value) protects users and the platform
- Backed by: brokerage accounts, home equity, insurance cash value
- Competitive simple-interest rates (Prime + risk margin), not compounding
- Integrated Visa credit card issued via Stripe; lending via an FDIC-member partner institution

## Products
- Securities-Backed Line of Credit (SBLOC) — borrow against stocks/bonds
- Life Insurance Line of Credit — borrow against whole life cash value
- Crypto-Backed Line of Credit — BTC/ETH (coming Q1 2027)

## Website
https://www.getvalorcard.com

## Full content (expanded knowledge base for LLM ingestion)
https://www.getvalorcard.com/llms-full.txt

## Contact
hello@getvalorcard.com

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## Pages

- [Homepage](/): Product overview and value proposition
- [How it works](/how-it-works): 4-step product mechanics
- [Why it works](/why-it-works): Why asset-backed lending beats traditional options
- [Use cases](/use-cases): Real customer scenarios
- [FAQs](/faqs): SBLOC basics, rates, risks, taxes, eligibility
- [For advisors](/for-advisors): B2B offering for financial advisors
- [Business](/business): Enterprise partnerships
- [Developers](/developers): API and integration overview
- [API reference](/developers/api-reference): Endpoint reference
- [Developer guides](/developers/guides): Integration guides
- [Apply](/apply): Application form
- [Login](/login): Customer dashboard login
- [Risk disclosure](/risk-disclosure): Margin call and lending risks
- [Privacy](/privacy): Privacy policy
- [Terms](/terms): Terms of service

## Optional

- [Full knowledge base](/llms-full.txt): Expanded content for LLM ingestion

## Site Map - Public Marketing Pages

### Main Pages
- / (Homepage) - Product overview, value proposition, how it works
- /how-it-works - Detailed product mechanics and 4-step process
- /why-it-works - Why asset-backed lending works better than traditional options
- /use-cases - Real customer scenarios and use cases
- /faqs - Frequently asked questions covering SBLOC basics, rates, risks, taxes, eligibility, security
- /for-advisors - B2B offering for financial advisors
- /business - Business partnerships and enterprise solutions
- /apply - Application form for credit line
- /login - Customer dashboard login
- /calculators/retirement-draw - Interactive calculator: safe draw amounts, capital gains tax avoided, and legacy impact vs. selling

### Education Library (/learn)
- /learn - Index of all education articles
- /learn/invest-and-borrow - How a Securities-Backed Line of Credit actually works (plain-English guide)
- /learn/sbloc-vs-heloc-vs-margin - SBLOC vs. HELOC vs. margin loan comparison
- /learn/interest-tracing - Documenting SBLOC interest tracing for your CPA (IRC §163 deductions)
- /learn/surviving-downturns - Surviving market downturns: LTV, margin calls, and reserves
- /learn/market-growth - When (and when not) to deploy your line during bull markets
- /learn/repayment-strategy - Repayment strategies: interest-only vs. fixed principal vs. payoff
- /learn/missed-payment - What happens if you miss a payment
- /learn/curing-margin-call - Curing a margin call: options and timeline
- /learn/military-benefits - Military benefits: SCRA 6% rate cap, MLA rights, veteran strategies

### Legal & Compliance
- /privacy - Privacy policy and data handling
- /terms - Terms of service
- /risk-disclosure - Margin call, LTV, and lending risk disclosures

### Common questions answered on /faqs
- What is a Securities-Backed Line of Credit (SBLOC)?
- How is an SBLOC different from a margin loan or HELOC?
- How much can I borrow and what are the rates?
- What happens during a margin call?
- Is borrowing against my portfolio a taxable event?
- Can I deduct SBLOC interest under IRC §163 tracing rules?
- What is the "Buy, Borrow, Die" / step-up in basis strategy?
- Who is eligible and where is Valor available?

### Customer Portal (Authenticated - /dashboard/*)
- /dashboard - Account overview and credit line status
- /dashboard/account - Bank account management and settings
- /dashboard/portfolio - Portfolio management and LTV monitoring
- /dashboard/card - Credit card management and transactions
- /dashboard/payments - Payment history and autopay settings
- /dashboard/statements - Monthly statements and tax documents
- /dashboard/upload-statement/:creditLineId - Upload updated portfolio statements