What Clearpool does

Clearpool is a decentralized finance (DeFi) protocol that operates an on-chain credit marketplace enabling uncollateralized borrowing and lending between institutional borrowers and a decentralized network of lenders. The protocol serves two primary customer segments: institutional borrowers (trading firms, fintech companies, payment service providers, and other institutions) seeking working capital and trading liquidity without over-collateralization, and lenders (retail and institutional) seeking risk-adjusted yield on stablecoin-denominated pools. Named institutional users include Flow Traders, Bastion Trading, and Jane Street, with the protocol having originated over $70 million in loans since inception as of July 2024.

Clearpool's core technology is built around modular lending products: Dynamic (permissionless pools with utilization-based interest rates and no lock-up periods), Clearpool Prime (a KYC/AML-compliant wholesale credit marketplace), and Credit Vaults with a Revolving Line of Credit (RLOC) structure that auto-deploys undrawn capital into approved protocols such as Aave and Compound. The protocol spans seven blockchain networks (Ethereum, Polygon, Polygon zkEVM, Optimism, Mantle, Arbitrum, Base, and Flare), with cross-chain token mobility via a CPOOL Bridge V2 built on LayerZero's Omnichain Fungible Token standard. Credit risk assessment is delegated to Credora via privacy-preserving Zero Knowledge technology, with 15% of Permissionless pool revenue allocated to Credora in exchange for real-time risk scoring.

Clearpool monetizes primarily through a governance-approved 5% interest diversion from every borrower pool into a protocol revenue pool, which is used to fund CPOOL token buybacks upon pool closure; an additional 5% is diverted to insurance accounts for lender protection. The CPOOL token functions as both a governance token (voting on credit parameters, capped at 15% voting power per Oracle) and a yield-bearing staking asset via oracle pools. Distribution is product-led and self-serve — users connect a supported wallet to the clearpool.finance web app to access lending and staking without intermediation. The company is fully remote, headquartered in Singapore, and was founded in 2021 with backing from Sequoia Capital India (now Peak XV Partners), Arrington Capital, HashKey, Wintermute, and Sino Global Capital.

Name

Clearpool

Legal name

Clearpool Finance

Website

https://clearpool.finance

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Clearpool is a decentralized credit marketplace protocol enabling uncollateralized, on-chain borrowing and lending between institutional borrowers and decentralized lender networks. It serves trading firms, fintechs, and PSPs with stablecoin-denominated pools across seven blockchain networks.

Ownership category

akta.pro rank

Product category

Decentralized Finance (DeFi) Lending

NAICS

Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro primary industry

Decentralized Lending Protocols (DeFi Money Markets) (FSADAFAB)

akta.pro secondary industries

Decentralized Lending & Credit Markets (overcollateralized/undercollateralized, P2P) (FSAPAEAA), Unsecured / Under-Collateralized Crypto Credit (FSADAFAI), Tokenized Collateral & On-Chain Credit Infrastructure (Collateral Mgmt, Liquidations) (FSAGAMAK)

Keywords

• Decentralized lending protocol
• DeFi credit marketplace
• On-chain institutional lending
• Tokenized RWA yield
• Uncollateralized crypto borrowing

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Protocol Revenue (Interest Diversion): A governance-approved 5% of pool interest is diverted to the protocol revenue pool on every block. Revenue is transferred from every borrower pool to a single revenue pool, subsequently used for CPOOL buybacks. Insurance amount (5%) is also transferred to protocol revenue when pools are successfully closed.
2. Credora Service Fee: 15% of Permissionless pools revenue is allocated to Credora for credit risk scoring services.
3. CPOOL Token Utility: CPOOL serves as utility and governance token. Governance over credit parameters and staking for vault security. Earn yield on CPOOL by staking to oracle pools. Voting power capped at 15% per Oracle.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Clearpool is a decentralized credit marketplace that facilitates uncollateralized on-chain borrowing and lending between institutional borrowers and a decentralized network of lenders. The protocol operates permissionless liquidity pools and KYC/AML-compliant wholesale lending through Clearpool Prime, with privacy-preserving credit risk scoring via Credora and dynamic interest rates based on pool utilization. It is deployed across multiple blockchain networks and supports structured credit products including revolving lines of credit and tokenized real-world asset yield (T-Bills, stablecoins).

Product overview

Clearpool is a decentralized credit marketplace offering institutional-grade on-chain lending and structured credit products. The platform operates a modular architecture consisting of: (1) Core lending products including Dynamic (permissionless pools), Prime (KYC/AML compliant wholesale lending), and Credit Vaults with Revolving Line of Credit (RLOC) structure; (2) Supporting infrastructure including CPOOL Bridge for cross-chain token transfers, CPOOL Staking for oracle governance and yield, and USDX T-Pool for stablecoin treasury yield; (3) The Vaults platform providing access to RWA yield opportunities. The protocol spans 7 blockchain networks (Ethereum, Polygon, Arbitrum, Base, Mantle, Optimism, Avalanche, Flare) and is governed by the CPOOL token with staking mechanics tied to oracle-based interest rate adjustments.

Differentiator

Problem solved

Functional benefit

Products and services

• Dynamic Lending Permissionless DeFi liquidity pools allowing lenders to earn risk-adjusted returns by lending directly to whitelisted institutions, with no lock-up period and interest rates adjusting dynamically based on pool utilization.
• Clearpool Prime Institutional-grade credit marketplace and the largest global KYC & AML compliant network for wholesale borrowing and lending of digital assets, designed for institutional participants.
• Credit Vaults with Revolving Line of Credit (RLOC) Flexible lending solution introducing revolving line of credit structure where borrowers draw and repay in line with liquidity needs while lenders earn on full commitment through utilization and undrawn economics. Unutilized capital is automatically deployed into approved lending protocols like Aave and Compound.
• Fintech Vaults Financing solutions for fintech companies, payment service providers (PSPs), and institutional borrowers seeking credit facilities.
• USDX Treasury Pool (T-Pool) Treasury pool offering exposure to USDX stablecoin brought to life by HT Digital Assets (Hex Trust's RWA ecosystem), providing stablecoin yield with staking options. Audited in 2024.
• Vaults RWA yield platform providing access to real-world asset yield opportunities, starting with Credit Vaults. Highly liquid and DeFi-composable.
• CPOOL Bridge Cross-chain bridge enabling CPOOL token transfers between Ethereum, Optimism, BNB Chain, Polygon, Polygon zkEVM, Mantle, Base, Arbitrum, and Solana. Built on LayerZero Omnichain Fungible Token standard.
• X-Pool Multi-chain liquidity pool available on Ethereum, Polygon, Polygon zkEVM, Optimism, and Flare networks.
• CPOOL Token Native utility and governance token of Clearpool protocol with an initial total supply of 1,000,000,000. Provides governance over credit parameters and staking for vault security; holders earn yield by staking to oracle pools with voting power capped at 15% per Oracle.

Quantifiable outcome

• Over $70 million in loans originated since inception
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability1 record

Feature5 records

Partnerships

Four partnerships are on record, tiered major and core.

• Arbitrum FoundationmajorStrategic or Co-development Partner · 25 July 2024Grant recipient from Arbitrum Foundation to support growth and development on Arbitrum network. Grant used to reward lenders in Arbitrum's lending pools.
• Hex TrustcoreStrategic or Co-development Partner · 28 September 2021Asia's leading digital asset custodian providing custody and compliance services. Hex Trust CEO Alessio Quaglini serves as Clearpool Co-Founder & Senior Advisor. Hex Trust's RWA ecosystem includes USDX stablecoin used in Clearpool's T-Pool.
• CredoracoreTechnology or Integration · 28 September 2021Privacy-preserving credit risk scoring using Zero Knowledge technology. Provides real-time risk computations on borrowers. 15% of Permissionless pools revenue allocated to Credora. Credit ratings and borrow capacity calculated by Credora.
• HT Digital Assets (Hex Trust)coreStrategic or Co-development PartnerProvider of USDX stablecoin, a product of Hex Trust's RWA ecosystem. USDX Treasury Pool (T-Pool) on Clearpool offers tokenized access to real-world assets.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Maple Finance: Institutional-focused DeFi credit protocol offering uncollateralized loans to digital-asset trading firms via pooled lending vaults. Closest direct competitor to Clearpool Prime, with overlapping borrower profiles (trading firms, market makers) and similar credit underwriting flow.
• TrueFi: DeFi credit protocol built around uncollateralized lending to vetted institutional borrowers using on-chain credit assessment. Shares Clearpool's core thesis that undercollateralized on-chain lending is a viable institutional product and overlaps on borrower type and risk-scoring mechanism.
• Goldfinch: Decentralized credit protocol extending undercollateralized loans to real-world borrowers via a trust-based model with on-chain credit assessment. Comparable to Clearpool in its uncollateralized credit thesis and lender yield model, though oriented more toward emerging-market borrowers than crypto trading firms.
• Morpho: Permissionless lending optimization layer over Aave/Compound plus its own Curator vault markets. Directly comparable on the DeFi lending-rail infrastructure side and increasingly a competitor for institutional credit-vault demand Clearpool targets.
• Inverse Finance: DeFi credit protocol with money markets and a Frontier product line aimed at undercollateralized institutional credit. Comparable DeFi-native credit product surface and similar target audience of yield-seeking lenders.

Broad incumbents

• Aave: Largest decentralized lending protocol by TVL, primarily overcollateralized but increasingly expanding into RWA and institutional credit. Overlaps with Clearpool via the RLOC integration, where unutilized Clearpool capital is deployed into Aave, and competes for the same pool of DeFi lenders.
• Compound: Pioneer DeFi money-market protocol with broad overcollateralized lending across multiple chains. Functions as a downstream yield venue for Clearpool RLOC idle capital and a competitor for the same DeFi lender base.
• MakerDAO (Sky): Largest decentralized credit protocol via DAI/SKY, with growing RWA exposure. Adjacent incumbent that competes for on-chain credit dollars and increasingly for tokenized-Treasury yield — a segment Clearpool also targets via the USDX T-Pool.

Emerging players

• Centrifuge: On-chain credit protocol tokenizing real-world assets (invoices, asset-backed receivables) for institutional investors. Shares Clearpool's RWA thesis and Vaults-style platform model but focuses on securitized assets rather than unsecured institutional credit.
• Notional Finance: Fixed-rate and fixed-term DeFi lending protocol with institutional features. Comparable to Clearpool in targeting more sophisticated lending products beyond variable-rate money markets, and competes for institutional lender capital.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ClearpoolFin
• GitHubgithub.com/clearpool-finance
• YouTubeyoutube.com/channel/UC5MGnFBwIWGen4GxV1jVoUQ
• LinkedInlinkedin.com/company/clearpool

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds2 records

Investors20 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clearpool