Clearpool
RWA · Private Credit · CPOOL
Clearpool runs institutional uncollateralized lending — whitelisted institutional borrowers access dynamic-rate pools where utilization sets interest. It introduced 'Credit Vaults' for permissioned single-borrower exposure; cpUSD is tied to Credit Vault yields.
Institutional uncollateralized lending pools.
Assets under management
$21.6M
+2.1% 24h
Latest data · 15 min delay
Competitors
Ranked top→bottom — who competes with Clearpool and how they differ.
| # | Competitor | Positioning | Similarities | Differentiator |
|---|---|---|---|---|
| 1 | Goldfinch | Decentralized credit protocol providing uncollateralized loans, historically to real-world lending businesses in emerging markets. | Both pioneered uncollateralized on-chain credit and rely on off-chain borrower vetting and legal enforceability rather than crypto collateral. | Goldfinch focuses on real-world business/fintech lending via a backer/auditor model, whereas Clearpool centers on single-borrower institutional pools (market makers, trading firms) with dynamic utilization-based rates. |
| 2 | Centrifuge | On-chain platform for tokenizing real-world assets (invoices, real estate, credit) and financing them through structured pools. | Both bring institutional/real-world private credit on-chain and tokenize the resulting exposure for lenders. | Centrifuge emphasizes asset-backed, collateralized RWA financing with tranching; Clearpool's core Dynamic product is unsecured single-borrower lending without asset collateral. |
| 3 | Florence Finance | On-chain private-credit protocol connecting DeFi liquidity to regulated real-world (European SME) lending. | Both channel on-chain stablecoin liquidity into off-chain institutional/private credit exposure. | Florence Finance targets regulated real-economy SME lending in specific jurisdictions, while Clearpool serves crypto-native and TradFi trading institutions with permissionless and compliant marketplaces. |
| 4 | Maple Finance | Institutional capital marketplace offering under- and uncollateralized lending pools managed by credit delegates. | Direct peer in uncollateralized institutional lending to crypto trading firms and market makers. | Maple uses delegate-managed multi-borrower pools with credit underwriting, whereas Clearpool's Dynamic model uses permissionless single-borrower pools with utilization-driven rates. |
| 5 | Securitize | The leading SEC-registered tokenization transfer agent. | Both in RWA (Institutional-Gated, Multi-Chain). | SEC-registered transfer agent + broker-dealer + ATS, powering the largest institutional tokenized funds; filed for an NYSE listing (SECZ). |
| 6 | Ondo Finance | Institutional-grade finance, delivered onchain. | Both in RWA (Institutional-Gated, Multi-Chain, Yield-Bearing). | Regulated RWA yield products with legal wrappers and daily proof of reserves — not generic stablecoins or DeFi wrappers. USDY and OUSG are yield tokens, not fixed $1 stablecoins. |
| 7 | Maple Finance | Onchain institutional / private credit. | Both operate in RWA. | Institutional / private-credit model: borrower quality, repayment history, collateral ratios, defaults, pool managers and loan terms matter most. |
| 8 | Franklin Templeton | The only '40 Act mutual fund tokenized on-chain. | Both in RWA (Institutional-Gated, Multi-Chain, Yield-Bearing). | SEC-registered '40 Act mutual fund on-chain, retail-accessible at $20 via Benji; Franklin Templeton is its own transfer agent. |
| 9 | USD.AI | It lets crypto/stablecoin capital fund real-world AI compute infrastructure, especially GPUs, and turns that into a stablecoin/yield product. | Both operate in RWA. | It is not just "a stablecoin company." It is more like a RWA/private credit protocol where the RWA is AI compute infrastructure. |
| 10 | RealT | Fractional US real estate with daily rental yield. | Both in RWA (Multi-Chain, Yield-Bearing). | Per-property Delaware-LLC RealTokens stream daily rental yield to the holder's wallet; hundreds of individual property tokens. |
| 11 | Lofty.ai | Fractional US real estate on Algorand. | Both in RWA (Yield-Bearing). | Algorand-based fractional real estate with $50 minimums and per-property ASA governance; daily USDC rental yield. |
| 12 | Estate Protocol | Fractional commercial real estate on-chain. | Both in RWA (Institutional-Gated). | Fractional commercial real estate on-chain. |
| 13 | Chateau Capital | Structured RWA credit products. | Both in RWA (Institutional-Gated). | Structured RWA credit products. |
| 14 | Toucan Protocol | Tokenized verified carbon credits. | Both in RWA (Multi-Chain, Yield-Bearing). | Bridges Verra-registry carbon credits on-chain into liquid BCT / NCT pool tokens for transparent retirement. |
| 15 | Mountain Protocol | Regulated yield-bearing T-bill dollar (wound down). | Both in RWA (Institutional-Gated, Multi-Chain, Yield-Bearing). | One of the first yield-bearing stablecoins with formal regulatory oversight and daily-rebase T-bill yield. |
| 16 | Anzen Finance | Private-credit-backed yield dollar. | Both operate in RWA. | Private credit RWA backing (not just T-bills) targeting 8-12% APY by exposing holders to institutional credit risk. |
| 17 | Arcton | Tokenized pre-IPO and private equity access. | Both in RWA (Institutional-Gated). | Tokenized pre-IPO and private equity access. |
| 18 | Aryze | Multi-currency RWA stablecoins and FX tokens. | Both in RWA (Institutional-Gated). | Multi-currency RWA stablecoins and FX tokens. |
| 19 | Atmosphera | Event and weather-linked structured finance. | Both in RWA (Yield-Bearing). | Event and weather-linked structured finance. |
| 20 | Dinari | Tokenized US equities as dShares. | Both in RWA (Institutional-Gated, Multi-Chain). | Tokenized US equities as dShares. |
| 21 | DualMint | Tokenization infrastructure for real-world assets. | Both in RWA (Institutional-Gated). | Tokenization infrastructure for real-world assets. |