What Credit Coop does

Credit Coop is a blockchain-based credit protocol that operates a dual-sided lending marketplace on Ethereum. The platform enables crypto-native businesses and DeFi protocols to access growth capital ranging from $20,000 to $5,000,000+ by converting future cash flows into programmable collateral through smart contract lockboxes, eliminating the need for equity dilution or heavy over-collateralization. On the lender side, institutional and DeFi lenders deploy stablecoins to earn 13-15% APY on vetted borrowing opportunities, with smart-contract-enforced automatic repayment when borrower cash flows are received.

The protocol's core technical component is its smart contract lockbox architecture, which locks incoming borrower cash flows on-chain as collateral and triggers automatic repayment when those cash flows arrive. Supporting infrastructure includes real-time on-chain settlement, automated loan servicing that eliminates manual collections, a public Dune Analytics dashboard for protocol transparency, AI-powered on-chain accounting via the Entendre integration, smart contract auditing by Recon, real-time borrower and collateral monitoring by Guardrail, and institutional-grade wallet custody compatibility through Fordefi. The platform reports $2.0B in cumulative facilitated volume, $9.8M total value locked, and zero recorded defaults.

Credit Coop operates a transaction-fee and managed-services revenue model, capturing the spread between borrower interest rates and the 13-15% APY paid to lenders, plus platform facilitation fees embedded in loan pricing. Distribution is hybrid: lenders self-serve through the creditcoop.xyz platform, while borrowers are sales-assisted through a Typeform intake for credit line qualification. The company was founded in 2024, is headquartered in New York, operates with 1-10 employees, and is incorporated as CMBT Labs Inc. with the Credit Coop trademark held by Lockbox Foundation. As of August 2025, the company has raised a single $4.5 million seed round co-led by Maven 11 and Lightspeed Faction, with Coinbase Ventures, Signature Ventures, Veris Ventures, TRGC, and dlab participating.

Name

Credit Coop

Legal name

CMBT Labs Inc.

Website

https://creditcoop.xyz

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Credit Coop is a blockchain-based credit protocol on Ethereum that enables crypto-native businesses to borrow $20,000 to $5M+ against future cash flows via smart contract lockboxes, while institutional lenders earn 13-15% APY on stablecoin loans.

Ownership category

akta.pro rank

Product category

Decentralized Lending Protocol

NAICS

Credit Intermediation and Related Activities (522)

SIC

Miscellaneous Business Credit Institution (6159), Finance Services (6199)

akta.pro primary industry

Decentralized Lending Protocols (DeFi Money Markets) (FSADAFAB)

akta.pro secondary industries

Tokenized Collateral & On-Chain Credit Infrastructure (Collateral Mgmt, Liquidations) (FSAGAMAK), Private Credit & Loan Tokenization Platforms (FSADAEAD), Collateral-Based Lines of Credit (Secured Revolving) (FSAKALAH)

Keywords

• Blockchain credit protocol
• Stablecoin lending platform
• Smart contract collateral
• Crypto-native business lending
• Decentralized private credit

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Lending interest spread: Credit Coop facilitates lending between institutional lenders and borrowing businesses, earning a spread on the interest paid by borrowers. Lenders earn 13-15% APY on stablecoin loans, and Credit Coop captures the difference between the rate charged to borrowers and the rate paid to lenders.
2. Platform / facilitation fees: The platform charges fees for loan facilitation, collateral management, and automated servicing embedded in the interest rate spread earned on originated loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Credit Coop operates a blockchain-based credit protocol built on Ethereum that converts business future cash flows into programmable collateral via smart contract lockboxes. The platform enables institutional lenders to earn 13-15% APY on stablecoin loans and lets crypto-native businesses access instant growth capital from $20,000 to $5M+ without equity dilution.

Product overview

Credit Coop is a dual-sided blockchain credit protocol offering two interconnected products: a Lending Platform for institutional investors to earn yields up to 15% APY by lending stablecoins to vetted businesses against their cash flow collateral, and a Borrowing Platform enabling businesses to access growth capital ($20k to $5M+) without dilution. Both products share core infrastructure including smart contract-based programmable collateral lockboxes, real-time settlement, automated loan servicing, and transparent credit monitoring on Ethereum. The protocol has facilitated $2.0B in total volume with $9.8M total value locked and reports zero defaults.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Coop Lending Platform Blockchain-based lending platform that enables institutional lenders to browse curated, vetted borrowing opportunities and earn 13-15% APY on stablecoin loans. Borrower cash flows are locked into smart contracts as programmable collateral, with automatic repayment, real-time settlement, and continuous on-chain credit monitoring.
• Credit Coop Borrowing Platform Borrowing service that enables crypto-native businesses and protocols to convert future cash flows into programmable collateral and draw instant growth capital lines from $20,000 to $5M+ without equity dilution. Includes smart contract lockbox collateral, real-time settlement, and automated loan servicing from incoming cash flows.

Quantifiable outcome

• 12x more capital efficient than Aave for borrowers
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• EntendrecoreTechnology or Integration · 14 February 2025Credit Coop integrated Entendre to automate onchain accounting with AI. This integration enhances the platform's financial transparency and collateral monitoring capabilities by providing AI-powered on-chain accounting directly within the Credit Coop protocol.
• GuardrailcoreTechnology or IntegrationGuardrail provides real-time borrower and collateral tracking to safeguard lender capital throughout the loan lifecycle. Displayed as 'Monitored by Guardrail' on the Credit Coop platform, indicating active operational monitoring of borrower positions.
• ReconcoreTechnology or IntegrationRecon is the smart contract auditing partner for Credit Coop. All smart contracts are rigorously reviewed by Recon to mitigate code and security risks, with audit status displayed as 'Audited by Recon' on the platform.
• FordeficoreTechnology or IntegrationFordefi provides institutional-grade wallet custody with access and execution controls, enabling Credit Coop users to manage their lending positions securely. Displayed as 'Compatible with Fordefi' on the platform.
• RaincoreOthersRain is the largest borrowing counterparty on the Credit Coop platform, with $1.9B in total volume borrowed at 13% APY. Rain uses Credit Coop to access stablecoin liquidity against its Ethereum earnings and cash flow streams.
• KartaminorOthersKarta is listed as an active borrowing opportunity on the Credit Coop platform, with $47.1M in total volume borrowed at 15% APY.
• SuperStableminorOthersSuperStable is listed as an active borrowing opportunity on the Credit Coop platform, with $23.9M in total volume borrowed at 15% APY.

Scale indicators7 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• TrueFi: DeFi credit marketplace offering undercollateralized loans to vetted borrowers with credit assessment, directly comparable to Credit Coop's cash-flow-backed lending model.
• Maple Finance: Institutional DeFi lending protocol that underwrites and pools loans to crypto-native businesses, sharing Credit Coop's focus on off-chain cash-flow underwriting rather than pure over-collateralization.
• Goldfinch: Decentralized credit protocol facilitating loans to real-world businesses without crypto collateral, a similar cash-flow-credit thesis to Credit Coop's lockbox architecture.
• Clearpool: Decentralized credit marketplace where institutional borrowers draw uncollateralized or partially collateralized lines from lenders, comparable to Credit Coop's institutional lender / crypto borrower model.
• Centrifuge: Tokenization protocol for real-world assets including private credit and receivables, comparable to Credit Coop's RWA tokenization roadmap (e.g., credit card receivables).

Emerging players

• Plume Network: Emerging RWA-focused Layer 2 building infrastructure for tokenized real-world assets and on-chain credit, thematically aligned with Credit Coop's RWA tokenization roadmap.
• Morpho: DeFi lending optimization protocol building infrastructure for permissioned and undercollateralized lending markets, with emerging overlap into institutional and RWA credit use cases adjacent to Credit Coop.

Broad incumbents

• Aave: Largest DeFi lending protocol with broad over-collateralized lending markets; Credit Coop explicitly positions itself as 12x more capital efficient than Aave by accepting business cash flows.
• Compound: Established DeFi lending protocol with broad crypto-collateralized markets, serving as a benchmark for DeFi credit infrastructure that Credit Coop competes against for lender capital.
• MakerDAO: Decentralized credit platform issuing DAI against crypto collateral, a broad DeFi incumbent with RWA credit expansion efforts that overlap with Credit Coop's on-chain private credit positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors7 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 Credit Coop