> For the complete documentation index, see [llms.txt](https://docs.clearpool.finance/clearpool/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.clearpool.finance/clearpool/products/fintech-vaults.md). # Fintech Vaults Clearpool’s Fintech Vaults are on-chain lending vaults that facilitate loans and the flow of stablecoin capital from whitelisted lenders to borrowers. ### How It Works * **Lenders** (whitelisted) deposit stablecoins into Fintech Vaults * **Capital is deployed** as short-term, receivable-backed loans to Fintech firms (SPV) * **Fintech firms** extend this credit to businesses such as payment service providers (PSPs), remittance platforms, and other payment processors to settle transactions efficiently on stablecoin rails * **Yield accrues** continuously in the vault and is reflected in an increasing exchange rate * **Monitoring Agents**, such as [Cicada Partners](https://www.cicada.partners/), independently track borrower performance and verify repayments, providing transparency and strengthening risk management. Fintech Vaults are **composable** and **omni-chain,** enabling seamless yield generation across compatible networks, with cross-chain support for deposits, withdrawals, and yield accrual.