# Article Introduction
Sberbank’s innovative digital asset-backed lending program highlights the convergence of traditional banking and blockchain technology, unlocking new liquidity opportunities for cryptocurrency investors. This article examines how ruble-backed loans secured by Bitcoin and Ethereum operate, providing an in-depth analysis of models that challenge established banking perspectives on digital asset acceptance. You’ll gain insight into why global financial institutions are accelerating adoption, how crypto-backed lending is reshaping financial benchmarks, and the factors—such as custodial infrastructure, market liquidity, and regulatory approval—that have established Bitcoin and Ethereum as legitimate bankable assets. This guide serves investors, financial professionals, and organizations seeking to integrate cryptocurrencies into their strategies, and details how platforms like Gate drive institutional engagement, meet compliance requirements, and ensure robust security. Explore the real-wor