PayFi Vaults

Clearpool’s PayFi 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 PayFi Vaults

• Capital is deployed as short-term, receivable-backed loans to PayFi firms (SPV)

• PayFi firms extend this credit to fintechs 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, independently track borrower performance and verify repayments, providing transparency and strengthening risk management.

PayFi Vaults are composable and omni-chain, enabling seamless yield generation across compatible networks, with cross-chain support for deposits, withdrawals, and yield accrual.