Private credit secured by Scotch whisky.
Appreciating collateral in bonded warehouses. Full visibility, real liquidity, aligned fees.
For Accredited Investors
22 million casks. One asset class almost nobody is lending against.
Scotch whisky appreciates every year it matures, stored in government-bonded warehouses across Scotland. Billions in collateral remaining untapped.
Traditional lenders avoid whisky because they cannot value or monitor the collateral. Pamgia solves both.
Your capital, fully visible. Your collateral, fully verified.
Most private credit keeps you waiting for fund updates. Pamgia gives you direct portfolio access and independent physical verification of every cask.
Live Position View
Current holdings, collateral status, and accrued yield in a single dashboard.
On-Chain Audit Trail
Every transaction recorded on an immutable ledger you can verify independently.
Cask-Level Detail
Drill into individual casks: distillery, age, warehouse location, latest valuation.
Automated Reporting
Download portfolio statements on your schedule, not the fund's.
Bonded Custody
HMRC-regulated bonded warehouses under duty suspension, with ownership recorded by the warehouse keeper per UK excise law.
Segregated Collateral
Your collateral is fully segregated. Never lent out, never bundled, never used to back other positions.
Your collateral, verified. Not estimated.
Pamgia verifies 25% of pledged casks every quarter; complete portfolio coverage within 12 months, with condition and integrity data you can review yourself.
Your capital. Your rules.
In traditional private credit, your capital is illiquid and your voice is absent. Pamgia's tokenized structure gives you genuine control over both.
Secondary Market Access
A defined pathway to exit through peer-to-peer position transfers on Pamgia's digital infrastructure.
Faster Settlement
Secondary transactions settle nearly instantaneously, not the weeks typical of traditional private credit transfers.
Flexible Commitment
Positions become listable for secondary sale after a 12-month regulatory holding period, far sooner than the multi-year fund-cycle lockups of traditional private credit.
Transparent Fees
One fee schedule, disclosed in full before commitment. Smart contracts absorb the distribution, reporting, and administration layers that typically fragment traditional fund fees.
Positions are restricted securities subject to applicable holding period requirements under SEC rules. Secondary transfers are subject to platform availability and regulatory conditions.
Your capital. Your voice.
Pamgia encodes governance procedures in smart contracts, giving you a direct vote on the decisions that affect your returns.
Programmable Procedures
Governance rules are encoded in smart contracts; transparent, auditable, and enforceable by design.
No Unilateral Control
Critical decisions require investor participation, not back-office discretion behind closed doors.
Investor-Led Liquidation
If necessary, you vote on whether and when a loan is liquidated, not a fund manager acting on discretion.
Straight answers for serious capital.
Before committing capital, you should have clarity. These are the questions institutional investors ask most.
How long is my capital locked up?
Loan durations vary by borrower and collateral profile, not by a rigid fund cycle. Pamgia's tokenized structure is designed to enable position transfers between qualified investors, providing a pathway to secondary liquidity that traditional closed-end funds do not offer.
How is the collateral protected?
Every cask remains in its original HMRC bonded warehouse, insured independently and regulated by UK government authorities. Pamgia holds a Delivery Order as legal security, the standard mechanism in Scotch whisky commerce. 25% of all collateral is verified each quarter, ensuring every cask is confirmed within 12 months.
How does the technology work?
Pamgia uses tokenized infrastructure to manage loans, distribute returns, and enforce governance; think of it as automated fund administration. You receive a digital security token representing your position, and smart contracts handle fee calculation, distribution, and compliance. You never interact with cryptocurrency directly.
What are the fees?
One fee schedule, fully disclosed before you invest. No layered structure of management fees, performance fees, fund admin, and placement agents. Smart contracts automate what those intermediaries traditionally charge for; full fee details are provided during the qualification process.
Who is eligible to invest?
Pamgia is available to accredited and institutional investors. Qualification requirements vary by jurisdiction; contact us for a confidential conversation about eligibility and minimum investment thresholds.
What returns should I expect?
Pamgia generates returns from borrower interest on loans secured by appreciating Scotch whisky in HMRC bonded warehouses. We offer competitive, risk-adjusted yields relative to traditional private credit. Specific return details are shared during the qualification process.
See the full picture before you commit.
One confidential conversation covers everything you need before committing capital.
Response within 48 hours. All conversations are confidential.
For accredited investors only.