Institutional-Grade Lending & Treasury Yield Products

Clearpool provides a comprehensive suite of institutional-grade lending platforms and treasury yield products for businesses and institutional investors seeking risk-adjusted returns on digital assets.

Core Products

USDX Treasury Pool (T-Pool)

A fully reserved stablecoin yield product offering stable ~4% APY backed by U.S. Treasury bills. Users deposit USDX stablecoin and receive cUSDX receipt tokens, earning yield from Treasury bill backing plus bonus FLR token rewards on the Flare network. Features no lock-up periods, automatic yield accrual, and full backing by short-term U.S. government securities held with regulated tier-1 financial institutions through Hex Trust custody.

Clearpool Prime - Institutional Credit Platform

A KYC/AML compliant institutional credit platform designed for regulated counterparties including market makers, high-frequency trading operations, proprietary trading desks, and institutional asset managers. Prime pools offer customizable credit terms tailored to specific operational needs, cash flow patterns, and risk profiles. The platform integrates with institutional custody solutions, reporting systems, and compliance frameworks while maintaining blockchain settlement efficiency.

Clearpool Dynamic - Permissionless Lending

A permissionless lending platform enabling users to provide on-chain liquidity to whitelisted institutional borrowers and earn risk-adjusted returns. Features dynamic interest rate pricing that automatically adjusts based on pool utilization, unsecured credit without overcollateralization, and no lock-up periods for lenders. Primary borrowers are crypto-native trading firms including market makers and high-frequency traders.

Fintech Vaults (PayFi Credit)

On-chain lending vaults facilitating stablecoin capital flow from whitelisted institutional lenders to fintech borrowers for Payment Financing (PayFi) use cases. Provides short-term, receivable-backed loans to fintech firms operating through Special Purpose Vehicles (SPVs) who extend credit to payment service providers, remittance platforms, and payment processors. Features independent monitoring through Cicada Partners, continuous yield accrual via exchange rate mechanism, and omni-chain composability.

Revolving Line of Credit (RLOC)

Flexible revolving credit facilities for real-world commerce applications, enabling businesses to access working capital through on-chain credit lines. Borrowers can draw down stablecoin capital as needed, pay interest on outstanding balances, and repay principal at their discretion. As principal is repaid, credit lines become available again for future draws. Supports inventory financing, seasonal working capital, bridge financing, accounts receivable financing, and business expansion capital.

Key Features

• Treasury-backed yield products with institutional custody
• Full KYC/AML compliance options for regulated entities
• Permissionless and permissioned lending infrastructure
• Dynamic interest rate models based on utilization
• Unsecured credit for institutional borrowers
• Real-world asset and commerce financing
• Professional monitoring and risk management
• Omni-chain deployment across blockchain networks
• No lock-up periods on most lending products
• On-chain transparency with institutional compliance overlay