# 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.

<figure><img src="/files/VLo5MwHICnY9nRd3bAjz" alt=""><figcaption></figcaption></figure>


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