What is Clearpool (CPOOL)?

Deep Dive

1. Purpose & Core Value Proposition

Clearpool was created to bring institutional credit markets on-chain. It solves a key problem in traditional and decentralized finance: providing unsecured liquidity to vetted institutions. Unlike over-collateralized DeFi loans, Clearpool allows reputable borrowers like Jane Street and Wintermute to access working capital efficiently. The protocol has originated over $830M in loans, demonstrating real-world use and scale. Its mission has expanded to power Payment Financing (PayFi), providing the crucial credit layer for businesses that settle transactions in stablecoins but face working capital gaps.

2. Ecosystem & Product Suite

Clearpool operates a multi-product ecosystem catering to different risk profiles and regulatory needs: *Clearpool Prime: A KYC/AML-compliant platform for regulated institutions, which had originated over $185M in loans as of July 2025. *cpUSD: A permissionless, yield-bearing stablecoin backed by PayFi vaults and liquid reserves, designed for DeFi composability. *PayFi Vaults: Permissioned credit vaults that provide short-term loans to fintechs and payment processors. *X-Pool & Treasury Pool: Newer products offering market-neutral yield and U.S. Treasury-backed staking, showing the protocol's expansion beyond pure credit.

3. CPOOL Token Utility

The native CPOOL token has a fixed supply of 1 billion and is central to the protocol's operations. Its primary utilities are governance, allowing holders to vote on key protocol upgrades and parameters, and staking. Users can stake CPOOL to support specific lending pools, which helps attract liquidity and allows stakers to earn a share of the pool's interest revenue. This design aligns incentives between token holders, lenders, and borrowers.

Conclusion

Fundamentally, Clearpool is building the foundational credit infrastructure for institutional capital and stablecoin payments on the blockchain. As its product suite evolves from prime lending to PayFi and structured yield, will it become the default credit layer for the on-chain economy?