Native lending on the XRP Ledger is closer than ever, but it still needs to clear a high governance bar before it goes live. Two protocol amendments, XLS-65 and XLS-66, must each secure the backing of more than 80% of the network's trusted validators and hold that support for two consecutive weeks before either can activate on mainnet.
The XRP Ledger is moving beyond payments and token transfers as Clearpool, Ripple, and Cicada work on a new institutional lending market. The project could bring corporate credit onto XRPL, with loans settled in RLUSD.
Vet, the XRPL Foundation community lead and dUNL validator, says institutional “lending is coming.”
But can institutional lending also create new utility and demand for XRP, XRPL?
Clearpool Builds Credit Market With Ripple and CicadaIn a recent announcement on X, Clearpool said it is building the credit infrastructure using XRPL’s XLS-65 Single Asset Vaults and XLS-66 Lending Protocol.
Clearpool said that it;
“Institutions were never missing on-chain yield. They were missing a venue built for credit.
Therefore, its new project with Ripple and Cicada aims to address that gap by building lending infrastructure directly on XRPL.
Most on-chain credit runs on smart contracts: flexible, composable, battle-tested. XRPL takes a different path, lending as a native ledger primitive.
XLS-65 (Single Asset Vault) and XLS-66 (Lending Protocol) build the vault and the loan into the ledger itself. pic.twitter.com/WOL6HCGss7
— Clearpool (@ClearpoolFin) August 31, 2026 Cicada will handle borrower’s financial position, cash flows, and credit history before determining how much they can borrow and what rate they should pay. Borrowers and lenders will also need to pass KYC and AML checks.
Meanwhile, Ripple will provide the XRPL and RLUSD for loan payments and settlements. Ripple will also participate as a liquidity provider.
The goal is to create lending pools where vetted businesses can borrow RLUSD from institutional lenders and repay the loans with interest.
However, these features are not live on XRPL Mainnet yet.
Could Lending Increase XRP Utility?The immediate benefit is expected to go into XRPL, but it may also create some additional demand for XRP. Clearpool’s lending platform is expected to connect with XRPL’s native AMM, giving institutions a way to move between RLUSD and other assets.
For example, market makers providing liquidity to XRP/RLUSD pools would need to hold both XRP and RLUSD. This could increase the use of XRP within the lending ecosystem and potentially reduce some XRP from the freely traded supply.
The XRP Ledger also burns 100% of its transaction fees. Every transaction requires a small fee in XRP, and that XRP is permanently removed from circulation.
XRPL Network Activity Continues to BoomThe XRPL network is already processing around 1.09 million transactions per day, although activity has recently fallen by 42.7% from earlier monthly levels.
At the current rate, about 117.83 XRP is burned daily, while the ledger has burned around 7,680.43 XRP over the past 30 days.
These numbers show that XRPL already has strong network activity and a built-in XRP burn mechanism. However, the planned lending market is still under development, so it is too early to say how much additional XRP demand it could create.
For now, the key development is that institutional credit is being built directly around XRPL’s native features, potentially giving the network another major financial use case.
Story Ends Here
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The XRP Ledger is pushing further into decentralized finance, with a set of native protocol upgrades designed to give both retail and institutional users access to lending and privacy tools directly on-chain, without relying on third-party smart contracts or bridges.
According to XRPL Foundation community leader and dUNL validator Vet, the proposed amendments cover native lending, privacy capabilities, and digital identity verification.
Native Lending Comes to XRPL
On the institutional side, the upgrades are already attracting serious commercial interest.
Privacy Features Designed for Compliance Alongside the lending upgrades, a proposed privacy system aims to protect transaction details while keeping regulators and issuers in the loop.
Together, these changes could make XRPL a more complete financial platform for institutions and everyday users alike.
Sources:
Ripple: Institutional DeFi on XRPL
Bitcoin.com News: Ripple Backs RLUSD Lending Push With Clearpool, Cicada
CoinDesk: Ripple Lays Out Institutional DeFi Blueprint for XRPL
Ripple is backing a new institutional credit fund that will lend its RLUSD stablecoin to fintech and payments companies on the XRP Ledger, alongside lending platform Clearpool and credit manager Cicada Partners, per a release shared with CoinDesk.
How the fund will work The fund will provide working-capital loans denominated in RLUSD, with Cicada sourcing borrowers, setting loan terms and monitoring credit risk. Clearpool is building the infrastructure used to create and manage the lending pools, while Ripple provides capital as an investor alongside other institutions. Neither the size of the fund nor Ripple’s commitment was disclosed.
Cicada says it has underwritten more than $860 million of credit and will act as both fund general partner and credit-pool manager. Clearpool says it has facilitated more than $930 million of institutional loans since 2021. Ripple participates as a limited partner on the same terms as other investors rather than guaranteeing losses.
Still waiting on ledger upgrades None of it is live on the XRP Ledger’s main network yet. Clearpool is testing the integration on a development network, and the two ledger features underpinning the product, a lending protocol known as XLS-66 and single asset vaults under XLS-65, are still going through the network’s amendment voting process.
The lending protocol handles issuing and repaying loans directly on the ledger, while the vault system pools money from several lenders under a manager who decides where it goes, in this case Cicada.
An RLUSD demand play Borrowers receive RLUSD and repay in it, which creates demand for Ripple’s dollar-pegged token while moving lending activity onto XRPL. XRP itself is not what gets lent, however, as it solely covers transaction fees and the minimum balances the ledger requires accounts to hold.
The fund deepens Ripple’s push to build out RLUSD, its dollar-pegged stablecoin that crossed $1 billion in market capitalization less than a year after launch, as a utility token for institutional finance rather than a retail payments play.
The plans come as XRP rose almost 20% in the past 24 hours to $1.30 and is up 30% over seven days, part of a broad rally that has lifted every major token.
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Clearpool has announced the development of a lending protocol native to the XRP Ledger, utilizing the XLS-66 and XLS-65 protocols. This initiative aims to establish a protocol-level lending infrastructure on the XRP Ledger, featuring RLUSD as the settlement currency. The project is currently in the development and testing phase, with the XLS-65 and XLS-66 amendments available on the devnet but pending mainnet validator approval. The integration of these protocols suggests a shift towards a more integrated credit infrastructure on the XRP Ledger, potentially enhancing its utility for institutional participants.
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Key Takeaways Clearpool’s announcement suggests an expansion of XRP Ledger’s capabilities by integrating lending protocols, potentially increasing XRP’s utility. The development of XLS-66 and XLS-65 may indicate a move towards a more robust and native financial ecosystem on the XRP Ledger. Market pricing suggests this development is viewed as consistent with scenarios where XRP could see increased institutional engagement. What to Watch Observers should monitor the approval process for XLS-65 and XLS-66 by mainnet validators, as this will be crucial for the project’s progression. Additionally, any regulatory developments or partnerships involving Ripple and its XRP Ledger could influence market perceptions and XRP’s price trajectory. Market participants appear to be evaluating whether these advancements will lead to a significant institutional uptake of the XRP Ledger’s new lending capabilities.
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Contract Odds Δ since publish Volume 24h September 1 2026 0.3% — — View market → September 1 2026 57.5% — — View market → September 1 2026 0.7% — — View market → September 1 2026 2% — — View market → September 1 2026 99.9% — — View market → September 1 2026 0.7% — — View market → September 1 2026 0.1% — — View market →
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Ripple has backed a new institutional credit fund that will issue RLUSD working-capital loans to fintech and payments companies through the XRP Ledger, with Clearpool and Cicada Partners handling the lending infrastructure and credit management.
Summary
Ripple is backing a new fund that will provide RLUSD working capital loans to fintech and payments companies. Cicada Partners will source borrowers and manage credit risk, while Clearpool is building the lending infrastructure. The fund is still being tested as the XRP Ledger lending and vault features await mainnet approval. Ripple will participate as a limited partner and will not guarantee investor losses. CoinDesk reported on Aug. 21 that the fund will provide loans denominated in Ripple USD (RLUSD), while Cicada Partners will source borrowers, set lending terms and oversee credit risk. Clearpool is developing the infrastructure needed to create and manage the credit pools, with Ripple joining other institutions as an investor.
The companies did not disclose the planned size of the fund or the amount Ripple has committed.
Under the structure, Cicada will serve as the fund’s general partner and credit-pool manager. The firm said it has underwritten more than $860 million in credit, while Clearpool said its lending platform has facilitated more than $930 million in institutional loans since 2021.
Ripple will participate as a limited partner under the same terms offered to other investors, according to the report. Its involvement does not include a guarantee against losses, leaving borrower assessment and credit management under the structure established by Cicada.
RLUSD credit fund will finance working capital Borrowers approved for the fund will receive RLUSD and repay their loans in the same stablecoin, giving the dollar-pegged token a direct role in the credit cycle.
The structure separates Ripple’s stablecoin from XRP’s function on the network. RLUSD will serve as the asset being lent, while XRP will continue to cover XRP Ledger transaction fees and the minimum reserve balances required for accounts.
For Ripple, the planned fund adds lending to existing uses for RLUSD across settlement and trading. A July report from Evernorth said RLUSD had already generated more than $2.5 billion in trading across XRP Ledger pairs since its public launch, with the RLUSD/XRP pair accounting for about $900 million over six months, as previously covered by crypto.news.
Evernorth also said RLUSD’s share of on-chain trading had climbed from below 1% to around 12% during 2026. The report put RLUSD supply on the XRP Ledger slightly above its Ethereum supply at the time.
The new credit product would give the stablecoin another use if the lending system reaches the XRP Ledger mainnet, allowing institutions to supply and borrow dollar-denominated liquidity without using XRP as the loan asset.
XRP Ledger lending still awaits mainnet activation Clearpool’s integration is currently being tested on a development network because the two XRP Ledger features needed to run the product have not completed the network’s amendment process.
XLS-65, known as Single Asset Vaults, allows funds from multiple participants to be pooled into a vault managed under defined rules. XLS-66 introduces the lending protocol that can issue, service and repay fixed-term loans directly on the ledger.
The structure places credit underwriting outside the blockchain while using XRPL to handle the movement and accounting of funds. Under the proposed system, institutions can assess borrowers and negotiate loan terms off-chain before the lending protocol manages the resulting credit position on-chain.
The proposals entered validator consideration earlier this year. A June report on the protocol detailed how XLS-66 uses Single Asset Vault liquidity for fixed-term lending while leaving borrower underwriting and risk assessment to participating institutions.
Activation requires validator approval under the XRP Ledger amendment system. Until the required support threshold and voting conditions are met, the Clearpool and Cicada product cannot operate through the planned native lending functions on mainnet.
Developers and infrastructure providers can still work with the features on devnet, giving firms time to test applications before a possible activation.
Security work has focused on XRP Ledger credit features The lending code has undergone additional security work ahead of its proposed mainnet deployment.
RippleX developers and Common Prefix used formal verification to examine the planned lending system earlier this year. The June formal verification review covered both XLS-66 and XLS-65, with the work designed to identify edge cases that conventional software testing could miss in financial infrastructure implemented directly at the Layer 1 level.
The review examined the fixed-term lending model, which uses pooled vault liquidity and relies on off-chain credit assessment for uncollateralized borrowers. The model differs from lending systems where collateral and automatic liquidation rules handle most borrower risk directly through application-level smart contracts.
Security firm Halborn subsequently completed a re-audit of the XRP Ledger Lending Protocol. Its June lending protocol re-audit found no critical or high-risk issues after reviewing changes linked to fixed-term loans and Single Asset Vaults.
Halborn identified five findings in total: one medium-severity issue, two low-severity issues and two informational findings. The firm said all reported findings were addressed, with some resolved by Ripple’s engineering team and others accepted or acknowledged following review.
One medium-severity finding involved a way for loan interest to bypass a maximum-assets limit applied to a vault, according to the audit. Halborn’s engagement covered transaction checks, accounting rules, state consistency, parameter limits and access controls across the protocol.
XRP has rallied as the credit plan emerges XRP has gained almost 20% over the past 24 hours to trade around $1.30 and is up about 30% over seven days, according to CoinDesk, placing the token among the strongest performers during the latest crypto market rally.
The advance followed a sharp move across major cryptocurrencies after the U.S. Treasury announced an expansion of its long-dated bond buyback program. The Treasury plans to increase the cap on individual operations from $2 billion to at least $4 billion beginning Sept. 9, a move that initially pulled long-term yields lower and weakened the dollar.
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A new credit fund backed by Ripple, Clearpool, and Cicada Partners will lend RLUSD to fintech and payments firms on the XRP Ledger — the first institutional lending product to use the stablecoin as collateral. The catch: it depends on two protocol amendments that haven't passed yet.
A new institutional credit fund backed by Ripple, Clearpool, and Cicada Partners is deploying RLUSD as a primary lending asset on the XRP Ledger (XRPL). By facilitating the direct lending of this stablecoin to fintech and payments firms, the initiative shifts RLUSD from its initial role as a payment-focused asset into the domain of institutional credit collateral. This represents the first institutional lending product to utilize RLUSD on the XRPL.
The fund’s operational architecture bridges traditional credit underwriting with on-ledger execution. Clearpool, which has facilitated over $930 million in institutional loans since 2021, is responsible for building and managing the lending infrastructure, specifically utilizing its Lending Protocol and Single Asset Vault architecture. Cicada Partners, a firm that has underwritten more than $860 million in credit, manages the sourcing of borrowers, the establishment of loan terms, and ongoing credit risk monitoring. Ripple participates as a limited partner on pari passu terms with other investors, though the total fund size remains undisclosed.
Unlike the overcollateralized lending models prevalent in decentralized finance, this fund utilizes a mechanism governed by the proposed XLS-66 Lending Protocol. This standard facilitates fixed-term, underwritten, uncollateralized credit for credentialed counterparties — meaning borrowers are vetted off-chain before loans are originated on-ledger. The framework integrates XLS-65 Single Asset Vaults, which introduce permissioned, single-token vaults on the XRPL where liquidity providers deposit assets to receive proportional shares. In this model, borrowers receive and repay RLUSD, creating direct demand for the token. XRP itself is relegated to a utility role, used exclusively for transaction fees and required minimum account balances rather than as a lent asset.
The viability of this product is currently contingent upon the successful passage of the XLS-66 and XLS-65 amendments on the XRPL. These amendments require 80% validator approval to be implemented on the mainnet. As of the latest reports, the voting process has reached approximately 40% approval following Ripple’s own vote. Clearpool is testing the integration on the XRPL Devnet, but the transition to a live, mainnet-ready product remains subject to the consensus of the validator network. That gap — between announcement and activation — is the real constraint.
This move fits a pattern that has become familiar in 2026: industry building institutional infrastructure ahead of comprehensive regulatory frameworks. The Clearing House consortium — JPMorgan, Bank of America, Citi, Wells Fargo — is constructing a shared tokenized deposit network targeting the first half of 2027. The Agentic Payments Alliance, which includes Visa, Mastercard, Fiserv, Circle, Solana, and Remitly, reflects a parallel effort to set agent-commerce standards before Congress defines the rules. In each case, the strategy is the same: establish the de facto infrastructure, then let regulation catch up.
The market reaction was notable — XRP rallied approximately 20% in 24 hours to $1.30 — but the more durable signal is what this fund says about RLUSD’s trajectory. A stablecoin that only moves money is a commodity. A stablecoin that underwrites institutional credit is infrastructure. Whether the XLS-66 and XLS-65 amendments clear the 80% threshold will determine if that infrastructure goes live. Until then, the fund is a statement of intent backed by real capital and real underwriting, waiting on validator consensus.
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Institutional lending is coming to the XRP Ledger (XRPL), with a new partnership between Clearpool, Cicada Partners, and Ripple bringing real-world lending activity onchain.
XRPL developer Vet (Hussein Zangana) highlighted the development on X, saying, “Now it gets really serious on the XRPL.”
He described the move as a clear institutional commitment to borrowing and lending on the ledger. The planned structure brings together three players with distinct roles.
Notably, Clearpool will provide the lending infrastructure, and Cicada Partners will handle credit origination and credit checks. Meanwhile, Ripple will provide capital
The borrowers will be fintech and payment companies that use stablecoins to fund their day-to-day business needs.
XRPL Lending Protocol at the Center with Ripple Backing Notably, the project will use XRPL’s proposed XLS-66 Lending Protocol and XLS-65 Single Asset Vaults. For context, the XRPL community is still voting on it.
The model allows institutions to put money into managed lending pools, while credit managers choose borrowers, set loan terms, and manage risk.
Cicada has experience with more than $860 million in credit, while Clearpool has helped facilitate over $930 million in institutional loans since 2021.
Ripple will invest in the credit fund alongside other institutional investors rather than guarantee the loans.
Ripple RLUSD and XRP Could Power the Lending Flywheel The proposed system seeks to create an activity loop across the XRPL ecosystem.
Borrowers would use RLUSD for everyday business needs, which could increase its use for payments and settlements. XRP would continue to be used for transaction fees and network reserves.
Vet described this as a potential cycle: investors provide capital, earn returns, and then provide more capital, while increased lending brings more activity to the XRPL.
The main idea is that investors would earn returns from loans to real businesses rather than mainly from DeFi strategies such as liquidity mining, arbitrage, or leverage.
Technical Demo Coming Next Clearpool is building and testing the system on the XRPL Devnet. A demo is expected to show the full lending process, from creating a lending pool to issuing and repaying loans.
The Lending Protocol and Single Asset Vault features still need to pass the XRPL voting process before they can launch on the mainnet.
If activated, this could expand XRPL beyond payments and make it a platform for institutional lending.
XRP Price Surges 18.5% Meanwhile, the development comes as XRP stages a sharp price recovery. XRP is trading at $1.31, up 18.5% over the past 24 hours and 31% over the past week. The cryptocurrency traded as low as $0.98 earlier this week before staging its latest rally.
The rising XRP price, along with the planned institutional lending system, could bring more attention to XRP and the XRPL as part of the growing onchain financial market.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
Ripple’s XRP price bounced almost 20% today, as the XRP Ledger appears to get closer towards institutional lending with its proposed Lending Protocol. Ripple, Clearpool and Cicada Partners recently announced that they are working on the credit infrastructure. For the project, it will be a new loan on the XRPL with RLUSD.For the project, it will be a new loan on XRPL based on RLUSD.
Ripple’s XRP Rockets Nearly 20% Today At the time of writing, XRP price was at $1.38, boasting a rise of 19.1% in the last 24 hours. Moreover, the overall crypto market continued a strong uptrend with Bitcoin leading the gains as it broke $78,000.
XRP price chart today. Source: TradingView The XRP rally coincided with President Donald Trump’s appeal to Congress to approve the CLARITY Act. He made the appeal at a White House event with crypto and financial industry leaders. The law will create more transparency and U.S. regulation.
The crypto market also responded to the action by the U.S. Treasury on government debt. The U.S. Treasury department announced its intention to speed up repurchasing debt by doubling buybacks. The move further raised the appetite of investors to buy and become part of the crypto rally.
Inside Clearpool’s XRPL Lending Protocol Initiative Further, what worked in XRP’s favor was that the proposed Lending upgrade on XRPL has become prominent among the institutional finance players. For context, Clearpool is constructing the lending platform as a Lending Protocol and Single Asset Vault.
Since 2021, Clearpool has facilitated over $930 million worth of institutional loans. It is structured so that independent credit managers can establish independent credit markets. Managers can individually establish their own risk conditions for each market.
Cicada Partners will manage the credit operations. It’s involved in the borrower evaluation, in the origination process and in the servicing of loans. The firm has over $860 Million in credit underwriting experience. It will also closely observe borrowers and conditions following loans.
Ripple will be a limited partner with other institutional investors but it will not serve as a special backup. The fund will focus on fintech companies, payment service providers, and crypto businesses leveraging stablecoins to fund their working capital.
Meanwhile, RLUSD will be the credit asset. Access and asset management controls could be offered by XRPL features such as Permissioned Domains, Credentials and Clawback. However, since XRP is not used as the credit asset, social media discussions are heating up as netizens believe it could lessen the Ripple-backed crypto’s use case.
On the other hand, Clearpool is now testing the lending integration in XRPL Devnet. A technical demonstration will be held, which will include the creation of a pool, borrowing and repayment.
Nonetheless, both the Lending Protocol and Single Asset Vault amendments yet to be approved by validators. Typically, the changes to the XRPL require at least 80% of the trusted validators to approve them for two consecutive weeks.
Ripple has teamed up with Clearpool and Cicada Partners to introduce real-world institutional lending capabilities on the XRP Ledger (XRPL). The collaboration aims to create on-chain credit markets that fund actual business needs rather than relying on typical decentralized finance yield strategies.
The partners highlight a longstanding issue in DeFi: the vast majority of yields—estimated around 98 percent—stem from circular market activities such as looping, arbitrage, basis trades, points programs, and liquidity mining.
These mechanisms rarely support productive economic activity, which has kept many institutional investors on the sidelines.
At the same time, on-chain activity is expanding.
Stablecoin transaction volumes surpassed $27 trillion in the prior year, increasingly driven by fintech firms and payment companies seeking working capital. Tokenized private credit has also grown beyond $10 billion.
The new initiative seeks to bridge this gap by delivering sustainable yields backed by genuine commercial operations.
Under the arrangement, each participant fills a complementary role.
Clearpool, which has arranged more than $930 million (and in some reports over $950 million) in institutional loans since 2021, is developing the technical credit layer.
It will use XRPL’s native Lending Protocol (XLS-66) and Single Asset Vaults (XLS-65).
These features enable a curator model in which independent risk managers can run isolated credit markets with predefined parameters.
Because the protocols sit at the ledger level, they avoid reliance on external smart contracts and associated risks.
Cicada Partners will handle credit origination, underwriting, servicing, covenant setting, and ongoing borrower monitoring.
The firm brings experience underwriting more than $860 million in credit and will serve as both general partner of the fund and manager of the credit pools.
Borrowers are expected to include fintech companies, payment processors, and crypto service providers that use stablecoins for genuine working-capital purposes.
Ripple will join as a limited partner in the credit fund on equal terms with other institutional investors.
It will not provide any special guarantee or first-loss protection.
Loans will be denominated in RLUSD, Ripple’s New York Department of Financial Services-regulated, BNY-custodied stablecoin.
This structure is intended to create demand for RLUSD while routing activity through XRPL, where XRP continues to serve for transaction fees and required reserves.XRPL’s existing compliance tools—Permissioned Domains, Credentials, and Clawback—support institutional requirements by allowing vetted participation and asset controls.
The protocol itself does not impose fixed application-level fees; economics are determined by the parties involved.
Clearpool is currently building and testing the integration on the XRPL Devnet, with a full technical demonstration of pool creation, borrowing, and repayment planned.
The underlying XLS-65 and XLS-66 amendments remain subject to community voting before mainnet activation.
Once live, the partners describe the deployment as one of the more significant institutional lending efforts on the ledger to date and a foundation for additional credit activity.
By combining credit infrastructure, specialized underwriting, and native ledger capabilities, the three organizations intend to position XRPL as a full financial settlement and credit layer capable of supporting real-world institutional finance.
Clearpool has announced a partnership with Ripple and Cicada Credit to develop an institutional lending platform on the XRP Ledger. This collaboration aims to enhance the utility of the XRP Ledger by integrating Clearpool’s decentralized lending protocol with Ripple’s blockchain technology. Cicada Credit, known for its focus on credit solutions, joins the effort to create a comprehensive lending environment for institutional clients. While Clearpool’s existing lending products are already in use, the new platform will leverage proposed amendments to the XRP Ledger that are still awaiting validator approval.
Key Takeaways The partnership between Clearpool, Ripple, and Cicada Credit suggests a significant development in institutional lending on the XRP Ledger. Market pricing appears supportive of scenarios where this collaboration enhances XRP’s utility, potentially influencing XRP price expectations. Despite positive developments, the lending protocol on the XRP Ledger remains in the proposal stage, indicating ongoing regulatory and technical hurdles. What to Watch Market participants will be monitoring the approval process for Ripple’s lending amendments XLS-65 and XLS-66, which are crucial for the platform’s full activation. Any regulatory breakthroughs or major institutional partnerships announced by Ripple could further impact XRP price expectations. Observers will also watch for broader crypto market trends that could influence XRP’s performance and its likelihood of reaching $3.00 in August 2026.
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Ripple has joined forces with Clearpool and Cicada Partners to bring real-world credit to the XRP Ledger (XRPL), according to an Aug. 20 statement.
The companies aim to create an an onchain lending model for institutional investors backed by Clearpool’s lending infrastructure, Cicada’s credit underwriting, and Ripple’s investment capital.
The effort comes as the partners argue that most DeFi yield is still generated by crypto market activity rather than productive lending. They estimate that roughly 98% of yield comes from mechanisms including looping, arbitrage, basis trades, points and liquidity mining. That has left institutional allocators without a clear path into onchain credit, even as stablecoin activity and tokenized private credit continue to grow.
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We’re excited to announce a new collaboration with @Ripple, @cicadacredit and @ClearpoolFin to bring institutional-grade credit to XRPL.
Together, we’re combining Clearpool’s lending infrastructure with Cicada Partners’ credit expertise and borrower pipeline to support… https://t.co/8ddarQ0IAL
— Cicada Partners (@cicadacredit) August 20, 2026
As the initiative’s infrastructure provider, Clearpool will build an institutional credit layer on XRPL through its native Lending Protocol and Single Asset Vault architecture.
The platform has facilitated more than $930 million in institutional loans since 2021. Its curator-driven structure will allow independent risk managers to operate separate credit markets while maintaining defined risk parameters.
Cicada Partners, with more than $860 million in credit underwriting experience, will originate and service loans, set borrower covenants and monitor credit health.
Ripple will participate as an LP in the credit fund alongside other institutional investors, with no special backstop role. The capital will be directed to businesses including fintechs, payment companies and crypto service providers that use stablecoins to address their working capital requirements.
Ripple’s flagship stablecoin, RLUSD, will be the underlying credit asset, while XRPL provides native lending, vault and compliance functionality. Permissioned Domains, Credentials and Clawback features allow institutions to impose eligibility and asset controls, while the protocol itself does not impose fixed application-level fees.
Clearpool is developing and testing the integration on XRPL Devnet, with a technical demo planned to show the lending process from pool creation through repayment. The Lending Protocol and Single Asset Vault amendments are currently undergoing community voting.
Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.
Ripple, Clearpool and Cicada Partners are working to bring institutional credit onto the XRP Ledger, combining RLUSD-based lending with credit underwriting and blockchain infrastructure built for regulated financial firms.
Clearpool Builds Institutional Credit Infrastructure on XRPL Clearpool will build the lending infrastructure using its Lending Protocol and Single Asset Vault architecture. The platform has processed more than $930 million in institutional loans since 2021. Its structure allows independent credit managers to create separate lending markets while setting their own risk terms.
Cicada Partners will manage the credit side of the platform, including loan origination and servicing. The firm brings more than $860 million in credit underwriting experience. Cicada will also assess borrowers, establish loan terms and monitor credit conditions after loans are issued.
The partners are targeting real-world lending at a time when much of decentralized finance remains tied to crypto trading. They estimate about 98% of DeFi yield comes from activities such as arbitrage, basis trades, looping, points and liquidity mining.
Ripple Brings RLUSD and Capital to Lending Model Ripple will participate as a limited partner alongside other institutional investors, without serving as a special backstop. Capital from the fund will target fintech companies, payment providers and crypto businesses that use stablecoins to meet working capital needs.
RLUSD, Ripple’s dollar-backed stablecoin, will serve as the underlying credit asset. Meanwhile, XRP Ledger features such as Permissioned Domains, Credentials and Clawback can provide controls over participant eligibility and asset management.
Ripple has also expanded its institutional finance operations elsewhere. Ripple Prime recently closed an upsized $275 million private placement of senior unsecured notes to support its U.S. business. The capital will support operations across clearing, financing and prime brokerage services.
XRPL Amendments Remain Subject to Validator Approval Clearpool is developing and testing the lending integration on XRPL Devnet. A technical demonstration is planned to cover the full lending process, including pool creation, borrowing and repayment.
However, the Lending Protocol and Single Asset Vault amendments still require community approval before activation. XRPL amendments generally need support from at least 80% of trusted validators for two consecutive weeks before they can take effect.
Separately, Ripple has backed the fixCleanup3.3.0 amendment ahead of the planned xrpld 3.3.0 software release. Early voting data showed eight of 35 Unique Node List validators supporting the proposal, below the required 28 votes.
XRP traded around $1.16 after gaining 15.04% over 24 hours, while trading volume rose 392.81% to $4.22 billion.
For institutions looking to reconcile privacy with strict regulatory oversight, the adoption of institutional ZK applications represents another key milestone in securing compliant DeFi workflows.
Ripple has partnered with Clearpool and Cicada Partners to bring institutional lending to the XRP Ledger, using native blockchain infrastructure rather than third-party smart contracts to connect real-world borrowers with onchain capital.
Three Firms, Three RolesThe structure splits responsibilities across the three companies. Clearpool is building the credit infrastructure layer on XRPL, drawing on the XRP Ledger’s native Lending Protocol and Single Asset Vault features. The company states it has facilitated more than $930 million in institutional loans since 2021, though this figure comes from Clearpool itself and has not been independently verified.
Cicada Partners is handling credit origination and servicing, acting as both fund manager and underwriter. The firm says it has underwritten more than $860 million to date, a figure also sourced from the company’s own disclosure. Cicada’s role includes sourcing borrowers, setting loan terms, and monitoring their financial health.
Ripple is participating as a limited partner in the credit fund, investing capital on equal terms with other institutional co-investors rather than acting as a guarantor or backstop.
How the Lending WorksLoans are denominated in RLUSD, Ripple’s stablecoin, which is regulated by the New York State Department of Financial Services and custodied by BNY. Borrowers are described as fintech and payment companies using the funds for working capital needs. XRP is used to settle the underlying lending transactions, including fees and reserves.
The companies frame this as a departure from typical decentralized finance yield sources, which they say are often generated through internal trading mechanics rather than external lending activity. That framing reflects the companies’ own characterization of the market and has not been independently assessed.
Still in DevelopmentThe Lending Protocol and Single Asset Vault features are currently going through XRPL’s community governance process and have not yet launched on the network’s mainnet. Clearpool says it is testing the integration on a developer network, with a technical demonstration expected to follow.
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Ripple's entry into the global private credit market, valued at more than $10 billion, will begin with a major upgrade to XRP Ledger (XRPL). RippleX developers have announced the addition of an institutional lending feature in partnership with Clearpool Finance and Cicada Partners.
While 98% of yield in the DeFi industry is generated through the speculative circulation of loans within the crypto market itself, this initiative offers lending to real-world businesses — fintech and payment companies that need working capital.
Through this solution, the partners plan to attract a portion of the capital from the tokenized private credit sector to the network.
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For XRP holders, the value of the upgrade lies in the growth of network activity and token utility. Borrowers will take out loans in the new regulated stablecoin RLUSD, protected by NYDFS oversight and custody at the Bank of New York.
Mechanics of the RLUSD Flywheel on XRP Ledger. Source: RippleX, Cicada, and Clearpool via X.comAt the same time, all operations within the lending system — including the creation of pools, loan issuance, and repayments — will technically take place on XRPL. This means that every transaction requires the use of the native XRP token to pay network fees and maintain mandatory wallet reserves, directly expanding the coin's practical use within the ecosystem.
From a security perspective, the developers have rejected the use of vulnerable third-party smart contracts. The lending logic will be integrated directly into the blockchain's base protocol through the native XLS-65 (Single Asset Vaults) and XLS-66 (Lending Protocol) amendments.
Protection through code: How investors will be protected and when the network will launchRipple itself participates in the lending fund as a regular investor, with the same rights and risks as third-party institutions on a "pari passu" basis, rather than acting as a financial guarantor. To protect institutional capital, the code includes compliance tools such as digital participant identities and the Clawback function for the forced return of funds.
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Clearpool is currently testing end-to-end user scenarios on Devnet. The platform's final deployment on Mainnet depends entirely on the outcome of decentralized voting: independent XRPL validators must approve and activate the XLS-65 and XLS-66 amendments.
Ripple is preparing to introduce institutional lending to the XRP Ledger (XRPL), targeting the $10 billion tokenized private credit market through a collaboration with Clearpool Finance and Cicada Partners. The new system aims to provide real-world businesses direct access to working capital in regulated lending markets.
Native infrastructure for lending on XRPLThe initiative distinguishes itself from traditional DeFi platforms, which mainly circulate funds within crypto markets, by specifically addressing the needs of fintech and payments companies. Businesses will be able to borrow RLUSD, Ripple’s regulated stablecoin, while all lending transactions will be processed directly on the XRPL blockchain.
RippleX, the technology arm of Ripple, is leading the development of the lending feature, utilizing the XLS-65 Single Asset Vaults and XLS-66 Lending Protocol amendments. This technical framework embeds the lending functions within XRPL’s core protocol, eliminating dependence on third-party smart contracts.
All loan operations, including pool management, issuance, repayments, and compliance, will be executed natively on XRPL. Notably, every transaction on the network will require XRP for fees and wallet reserves, an architectural choice that could expand the token’s operational utility as the lending ecosystem grows.
Lending pools, issuance, and repayments are integrated into XRPL, with each process requiring XRP for network fees and reserves. This ensures a direct role for the token as lending activity increases.
RLUSD stablecoin anchors institutional lendingThe integrated lending system will leverage RLUSD, a stablecoin issued by Ripple under the oversight of the New York Department of Financial Services. Bank of New York will provide custody services, and borrowers will use RLUSD as working capital within the regulated institutional market.
Ripple intends to co-invest in the lending fund under the same terms as other institutions, meaning the company will neither guarantee returns nor provide special treatment. All parties will hold equal rights and face the same risks.
Amid these technical developments, financial markets continue to experience a shift from established brokerage channels to decentralized platforms. Wall Street is adopting Web3 by enabling investors to access shares of major U.S. companies, gold, and silver directly from their crypto wallets. Platforms such as 1stepSwap accomplish this by tokenizing real-world assets and using algorithms that identify the best available prices within seconds, effectively removing all intermediaries.
Mainnet launch awaits community voteTo address compliance requirements, developers have incorporated digital identity verification and a Clawback mechanism, allowing the return of funds under predetermined conditions. These additions cater specifically to institutional participants seeking increased security and regulatory alignment.
Clearpool is currently testing the lending application on the XRPL Devnet, simulating end-to-end lending processes. The official launch on Mainnet will depend on a network-wide validator vote to activate the XLS-65 and XLS-66 protocol amendments. Approval is required from independent validators through the amendment process before the lending features can go live.
Institutional compliance tools, such as digital participant identification and the Clawback feature, are integrated to meet regulatory standards during the lending process.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Ripple plans to enter the tokenized private credit market through a new institutional lending system on the XRP Ledger. RippleX is developing the lending feature with Clearpool Finance and Cicada Partners for real-world business borrowers. Loans will use Ripple’s RLUSD stablecoin, while lending transactions will run directly on XRPL. The system will use the XLS-65 Single Asset Vaults and XLS-66 Lending Protocol amendments. XRP will remain necessary for transaction fees and wallet reserves, increasing its utility within the lending network. Ripple is preparing to expand XRP Ledger into institutional private credit through a new lending system built with Clearpool Finance and Cicada Partners. The plan aims to connect XRPL with a tokenized private credit market valued at above $10 billion while giving real-world businesses access to working capital across regulated institutional lending markets.
Unlike much of DeFi lending, where funds often circulate inside crypto markets, the proposed system will focus on fintech and payment companies. Borrowers will receive loans in RLUSD, Ripple’s regulated stablecoin, while XRPL will process lending activity on-chain.
Ripple Backs Native Lending Infrastructure RippleX developers plan to build the lending system directly into XRP Ledger through the XLS-65 Single Asset Vaults and XLS-66 Lending Protocol amendments. The design removes reliance on third-party smart contracts and places core lending functions inside XRPL’s base protocol.
Loan pools, issuance, repayments, and related activity will all run on XRPL. Each transaction will require XRP for network fees and wallet reserves, giving the token a direct role in the lending process as activity grows.
RLUSD Loans Target Real-World Borrowers The lending system will use RLUSD for loans to businesses seeking working capital. The stablecoin operates under New York Department of Financial Services oversight, while Bank of New York provides custody support.
Ripple will also invest in the lending fund under the same terms as other institutions. The company will not guarantee returns, and all investors will share the same rights and risks on a pari passu basis.
Validator Vote Will Decide Mainnet Launch Developers have added compliance tools designed for institutional use. These include digital participant identities and a Clawback feature that can return funds when required under set rules.
Clearpool is now testing end-to-end lending scenarios on XRPL Devnet. A Mainnet launch will depend on independent validators approving and activating the XLS-65 and XLS-66 amendments through the network’s amendment voting process.
Clearpool just rolled out a product that sounds almost quaint by crypto standards: a vault that funds actual invoices and purchase orders. The Trade Finance Vault, launched on July 28, lets USDC holders park their stablecoins into on-chain trade finance deals with a target yield of 15%.
How the vault actually works The Trade Finance Vault funds tokenized invoices, purchase orders, and letters of credit. Think of it as the crypto version of factoring, where a company sells its unpaid invoices at a discount to get cash now, and the buyer collects the full amount later.
Clearpool built this in partnership with two key players. Tradevu, a trade finance originator, handles the deal flow. Cicada Credit manages risk assessment and underwriting, acting as the vault’s portfolio manager.
USDC holders deposit into the vault, that capital gets deployed into trade finance deals, and yields flow back to depositors. The 15% target sits at the top end of Clearpool’s broader vault ecosystem, where yields typically range from 6% to 15% depending on the underlying funding source.
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Clearpool’s evolution from lending protocol to RWA infrastructure Clearpool launched in the 2021-2022 era, and the protocol has originated nearly $1 billion in loans since then. It operates across multiple blockchain networks including Ethereum, Polygon, and Avalanche.
The Trade Finance Vault represents the latest step in what’s been a deliberate march toward real-world asset integration. Earlier in 2025, Clearpool introduced PayFi Credit Pools and Fintech Vaults, both designed to connect on-chain capital with off-chain credit demand.
The CPOOL token serves as the protocol’s native governance and utility token, giving holders a stake in the direction of this expanding product suite.
What this means for investors The 15% target yield deserves some unpacking, because “target” is doing real work in that sentence. It’s not a guaranteed rate. Trade finance deals carry their own risk profile: counterparty risk from the companies issuing invoices, concentration risk if the portfolio leans too heavily on specific industries or geographies, and the operational risk inherent in bridging on-chain capital with off-chain commerce.
Trade finance has historically been one of the lower-default-rate segments of commercial lending. Invoices from creditworthy buyers tend to get paid, and the short duration of most trade finance deals, typically 30 to 120 days, limits exposure windows.
The presence of Cicada Credit as risk manager adds a layer of institutional underwriting that’s been conspicuously absent from many DeFi yield products.
Clearpool isn’t the only protocol chasing real-world yield. Centrifuge, Goldfinch, and Maple Finance have all carved out positions in the on-chain credit space, each with different approaches to underwriting, risk management, and asset selection.
Investors considering exposure should watch three things: actual realized yields versus the 15% target over the vault’s first few months, default rates within the trade finance portfolio, and the pace of capital inflows.
Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.
Clearpool has just introduced Oxygen (O2), a creative liquidity layer meant to run Ozean. Designed by Clearpool, Ozean is a blockchain for Real-World Assets (RWA). With Ozean, real-world assets can be easily integrated into DeFi, and native yield can be accessed on-chain.
📢 Introducing Oxygen (O2): The #RWA Liquidity Layer driving the growth of #Ozean🌊!
💧O2 combines tokenized treasuries, RWAs, major crypto assets and yield-bearing tokens into a unified asset basket, supporting critical functionalities like swaps, lending, and… pic.twitter.com/B6juwGN0X3
— Clearpool (launching Ozean🌊) (@ClearpoolFin) September 18, 2024 Clearpool is a decentralized financial ecosystem that incorporated the first permissionless marketplace for unsecured institutional liquidity.
Clearpool’s permissionless single-borrower pools enable organizations to obtain short-term capital while offering decentralized finance lenders access to risk-adjusted rewards based on interest rates established by market consensus. These pools are driven by the market forces of supply and demand.
Ozean is the first compliant RWA yield chain. Clearpool launched it. It is built on top of and supported by Optimism.
More About the Oxygen (O2) Additionally, Oxygen (O2) is a liquidity layer of the next generation explicitly developed for the Ozean network. By utilizing O2, a unified basket that includes RWAs, tokenized treasuries, liquid crypto assets, and yield-bearing tokens is achieved, which serves as the foundation of Ozean’s liquidity architecture. This basket forms a solid liquidity pool that serves as the foundation for the Ozean ecosystem by supporting essential services such as swaps, lending, and collateralization.
Oxygen provides a new liquidity solution. This approach involves incorporating tokenized treasuries, RWAs, and liquid cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) into a liquidity layer. This enables new enterprises to have access to liquidity at lower prices and with fewer token incentives, which fosters more time—and resource-efficient growth and participation in the market.
Oxygen pools are very different assets, including major cryptocurrencies like Bitcoin, Ethereum, and Solana, tokenized treasuries, and yield-bearing tokens. This enables users within the Ozean ecosystem to effortlessly participate in swaps, lending, and collateralization, granting them power.
Aside from generating revenue from assets like lending protocol tokens and tokenized treasuries, Oxygen also contributes liquidity to the market. This return is reinvested, enhancing liquidity and providing contributors with further opportunities to create supplementary income.
How Oxygen Helps Ozean Grow Oxygen’s robust liquidity layer is crucial to Ozean’s expansion. It enhances the availability of funds, the adaptability of financial operations, and the facilitation of various applications, including trading, lending, and issuing decentralized digital currencies.
Oxygen ensures sufficient liquidity to satisfy user demand in trading, lending, and collateralization operations on Ozean by diversifying its asset portfolio and making regular rebalancing adjustments.
Oxygen enhances lending procedures on Ozean by allowing users to borrow and lend against a wide range of assets, including RWAs and yield-bearing tokens. This promotes capital efficiency throughout the ecosystem.
By including RWAs, Oxygen enables the creation of stablecoins backed by physical assets, such as tokenized treasuries. These stablecoins boost confidence in volatile markets, increasing user adoption and involvement. Users can stake O2 to earn fees and use their holdings to raise extra funds. These opportunities encourage platform involvement, creating an autonomous environment that consistently attracts liquidity and growth.
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With the new year just one day away, crypto analyst Alex Wacy (@wacy_time1) shared an overview of what he calls the best altcoins heading into 2025. The analyst, who has amassed an audience of over 190,000 followers on X, highlighted several projects that he believes have the potential to dominate in the potential coming altseason.
Best Altcoins In 2025 He begins with Render (RNDR), describing it as a decentralized GPU rendering platform for AI, metaverse, and creative content. He maintained that “Render is poised to become a key player in the virtual future,” pointing to its $3.66 billion market capitalization as evidence of investor confidence.
Following closely is Virtual, an AI-driven avatar initiative that is pegged at $3.41 billion in market cap, with Wacy touting Virtual as “the growth leader in 2024 in the virtual avatar sector” and predicting increasing adoption for metaverse, gaming, and social media applications.
Wacy also turns his attention to SEKOIA, mentioning its focus on identifying and mentoring emerging AI talent. Although smaller in scale at a $94 million market cap, this autonomous AI investment agent uses advanced pattern recognition and quantifiable predictions to gain a foothold in a competitive space.
Next in line for the best altcoins in 2025 is Pengu, which he calls “the official coin of Paddy Penguin, a major force in crypto.” Its substantial community and cultural traction reflect a hefty $2.28 billion market valuation, and its omnipresence in ETF ads combined with over 90 billion visits appear to confirm its cult-like following.
The list of best altcoins continues with Clearpool (CPOOL), a Decentralized Capital Markets Ecosystem valued at $341 million that provides insured loans to institutional borrowers in the DeFi arena through a dynamic interest model. The analyst noted that Clearpool’s approach to decentralized lending could offer a unique avenue for strategic investors.
He also spotlights Bittensor (Tao), a project intent on decentralizing AI solutions through an open ecosystem, weighed at $3.48 billion, and Hyperliquid (HYPE), a decentralized perpetuals exchange living on its own L1 with a $9.23 market cap. He describes Hype’s vision as “a high-speed, low-cost, transparent solution for perpetual futures,” though he advises caution, remarking that prospective investors should “research to understand its risks and potential.”
Io.net, which sits at $397 million, is categorized as a decentralized GPU network that reduces costs for AI developers, while CFG (Centric) aims to bridge DeFi with real-world assets. This $162 million project focuses on stable returns generated from real fiat value rather than solely leveraging volatile crypto.
Akash Network (AKT), valued at $746 million, is labeled by Wacy a “supercloud” that transforms cloud computing through a decentralized marketplace, and Ethena (ENA), at $2.69 billion, provides a synthetic dollar protocol on Ethereum, touted as “a crypto-native, bank-free solution for money.”
Wacy’s list also featured Helium (HNT) with a $1.13 billion market cap, identified for its decentralized IoT network, and Griffain in the Solana ecosystem, with a $211 million market cap, delivering scalable DeFi solutions for token swaps while upholding transparency.
The analyst also highlights Grasso (GRASS) in his list of the best altcoins for 2025 and its $683 million market cap, describing its decentralized data collection network for AI training as both functional and user-friendly. VitaDAO (VITA) is in Wacy’s focus because of its community-governed DAO funding longevity research. Its compact $54 million market cap appears poised for growth as members actively engage in decision-making and ownership, signifying a communal approach to biotech research in crypto.
Spectral, carrying a $194 million market cap, offers on-chain agents for easier application creation and includes a syntax tool that transforms natural language into Solidity. ETIGEN, or Energy Layer, at $170 million, extends novel concepts of restorative energy on Ethereum, and ONDO, with an impressive $2.83 billion market cap, aims to open up institutional-grade DeFi services and real-world asset (RWA) tokenization.
Wacy further singles out AIXTB, at $377M, which monitors crypto-related discussions via a proprietary engine to uncover high-sentiment opportunities, and Ether.fi (ETHFI), priced at $446M, which supports non-custodial ETH staking and DeFi integration. Throughout his breakdown, he underscored the cyclical nature of the crypto market, stating that these best altcoins “could see significant growth in 2025” once capital flow rotates away from Bitcoin and into high-potential altcoin narratives.
His overall thesis hinges on what he perceives as a predictable pattern in every major market cycle. “Altcoins typically pumping when BTC Dominance starts a strong downtrend,” the analyst wrote. He cited the example from 2021, when Bitcoin’s dominance fell from around 73% to 40%, triggering a monumental rally for altcoins like SOL, ADA, and DOGE.
Pointing out that current BTC dominance is about 55%, which he calls a “significant resistance zone,” he predicts a swift drop to 40% if a breakdown occurs. “As I mentioned before, my bet for the altseason is in the spring of 2025,” he said, while admitting that he also shares the common sentiment of disbelief that surrounds every cycle. “That’s okay, it means the market is doing a good job of ‘smoking people out.’ Patience friends, patience always pays off,” he concluded.
At press time, the Bitcoin dominance (BTC.D) stood at 58.02%.
Bitcoin dominance, 1-week chart | Source: BTC.D on TradingView.com Featured image created with DALL.E, chart from TradingView.com
Sujha has been recognised as 🟣 Women In Crypto 2024 🟣 by BeInCrypto for her leadership in crypto journalism.
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August 12, 2025
Clearpool, a decentralized capital markets ecosystem, has partnered with on-chain credit risk management company Cicada in a move to institutionalize PayFi lending with improved risk management.
In an announcement shared with Cryptonews on Monday, the partnership will boost Clearpool’s credibility and risk management in PayFi lending. Cicada will structure and underwrite PayFi lending opportunities and serve as the administrative agent for select Credit Pools.
Cicada has underwritten more than $850m in loans at a 1.2% default rate during the prior cycle.
🤝 Clearpool has partnered with Cicada to institutionalize PayFi lending with risk-managed Credit Pools
Cicada is an on-chain credit risk management company founded by a seasoned team of former buy- and sell-side credit professionals. Cicada’s co-founders have deep crypto… pic.twitter.com/JY79tNCVqE
— Clearpool (@ClearpoolFin) August 11, 2025 Clearpool’s partnership with Cicada could shake up the lending space, bringing more institutional players into the DeFi fold.
Clearpool Expands to Payment Financing or PayFiAccording to Jakob Kronbichler, CEO of Clearpool, Cicada’s risk management integration would strengthen Clearpool’s institutional infrastructure for PayFi lending.
“While stablecoin settlements are instant, underlying fiat flows are not, forcing fintechs to bridge liquidity gaps,” he said. “This partnership enhances our proven credit framework and supports the growth of the emerging trillion-dollar stablecoin payment ecosystem.”
Clearpool will be launching PayFi Credit Pools for users to access these highly liquid, real-world yield opportunities. This means facilitating credit to institutional lenders specializing in short-term stablecoin-based working capital to fintech operators.
It will also launch cpUSD, a permissionless, yield-bearing asset, which will enable retail to tap into real-world stablecoin payments.
Cicada offers Risk-as-a-Service (RaaS) Solutions to DeFi Protocols On the other hand, Cicada offers Risk-as-a-Service (RaaS) solutions, including third-party underwriting, pool management for DeFi protocols and risk structuring.
“Partnering with Clearpool allows us to elevate PayFi lending by combining our underwriting and risk management expertise with their innovative credit products,” said Sefton Kincaid, Managing Partner of Cicada Partners.
The partnership will accelerate the adoption of PayFi by laying the groundwork for more safer, transparent and scalable stablecoin ecosystem.
“Together, we’re advancing professionally managed Credit Pools and strengthening Clearpool’s offering to borrowers and lenders in the growing stablecoin economy,” Kincaid added.
Clearpool has announced its groundbreaking collaboration with Plasma, marking a significant step forward in redefining the landscape of global payments. This partnership aims to empower Plasma’s mainnet by building a flagship yield-bearing stablecoin, cpUSD. With this, the platform is set to pave the way for a scalable and credit-backed stablecoin liquidity among both emerging and developed markets.
Clearpool 🤝 @PlasmaFDN: Two Forces, One Vision
Clearpool is launching cpUSD on Plasma.
Our flagship yield-bearing asset is powered by PayFi Vaults, which finance short-term credit for stablecoin-settled payments from remittances to card processors.
This partnership scales… pic.twitter.com/LpsZ6rVed7
— Clearpool (@ClearpoolFin) September 24, 2025 Clearpool, a decentralized marketplace for unsecured liquidity, has announced the news through its official X account. The other partner, Plasma, is a purpose-built blockchain for stablecoin transactions.
Clearpool and Plasma to Bridge cpUSD with Plasma’s Payment Infrastructure With this partnership, Clearpool and Plasma are poised to expand their shared vision while laying the foundations for DeFi integrations. They both aim to scale stablecoin-powered liquidity to advance global payments. Clearpool’s cpUSD is powered by PayFi Vaults, offering yield-bearing opportunities to fulfill the short-term financial credit needs of institutional lenders, including remittances and card processors. These credit channels are infused with Plasma to execute a chain that is especially created for payment efficiency and scale.
Plasma is supported by Founders Fund, Bitfinex, and Framework Ventures. At the time of launch, the network boasted more than $2 billion in stablecoin TVL. Plasma offers zero-fee USDT transfers, complete EVM compatibility, and partnerships with major DeFi protocols such as Aave and Euler.
With this, the platform strives to cement its position as a cornerstone for the stablecoin ecosystem. In this way, Plasma becomes the ideal home for Clearpool’s cpUSD. Through this integration, the platform is set to expand its utility for trading, lending, settlement, and collateralized DeFi applications.
Clearpool’s cpUSD is built to maximize utility along with stability, allocating 75% PayFi Vaults and 25% to liquid yield-bearing stablecoins for redemption flexibility. Plasma’s mission perfectly aligns with this structure, skimming high-volume stablecoin flows. Clearpool, by combining efforts with Plasma, aims to foster a vision for stablecoins to go beyond speculative use cases.
The CEO and Co-founder of Clearpool, Jakob Kronbichler, states that, “Plasma is creating the payments infrastructure that stablecoins have always needed.” Paul Faecks, the counterpart at Plasma, echoed the statement by saying, “By bringing cpUSD to Plasma, we’re ensuring that fintechs can access credit at scale on a chain built for their core use cases.”
The two platforms are poised to unite Clearpool’s credit solutions with Plasma’s payment infrastructure. With this, both strive to pave the way for the next level of stablecoin adoption. There, the stablecoins can move the world, not just a market.
AUTHOR
Crypto journalist with years of experience providing in-depth analysis and news on blockchain and decentralized finance. With a keen eye for detail, Shahzaib delivers insightful articles that explore the latest trends, market movements, and innovations within the crypto and blockchain ecosystem. His work focuses on educating readers while offering expert commentary on the evolving landscape of digital assets, DeFi protocols, and the broader impact of blockchain technology.
Clearpool, a DeFi protocol focused on embedding credit infrastructure into stablecoin payments, secured $400,000 in XPL funding from Plasma, a blockchain network designed for stablecoin liquidity and global money movement.
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The funding uses XPL, the native token of the Plasma network used for incentives and ecosystem growth, to support Clearpool’s expansion of PayFi, a credit layer concept that provides short-term financing for stablecoin-settled payments like remittances and merchant flows.
Clearpool partnered with Plasma to launch cpUSD, Clearpool’s permissionless yield-bearing stablecoin backed by PayFi credit vaults, and PayFi Vaults on the recently launched Plasma mainnet beta.
Plasma’s mainnet launch positions it as infrastructure for stablecoin velocity, with Clearpool integrating to provide credit rails for emerging payment ecosystems.
Disclosure: This article was edited by Vivian Nguyen. For more information on how we create and review content, see our Editorial Policy.
TLDR: Clearpool will repurchase CPOOL using revenue from its pools, vaults, and Prime protocol operations. 50% of all repurchased CPOOL will go to Clearpool Rewards, supporting token holder incentives. The remaining 50% of tokens will strengthen the Clearpool Reserve for future ecosystem growth. Buybacks were paused as Clearpool prepared its Fintech Vault and PayFi product expansion.
Clearpool is reviving its buyback program, marking a fresh chapter for the DeFi lender’s growing ecosystem.
The protocol confirmed it will repurchase its native token, CPOOL, from the open market using revenue from recent quarters. This follows months of strategic pause as the team refined its direction and rolled out new products. The initiative signals a renewed commitment to value capture within its ecosystem.
CPOOL Buyback Program Resumes With New Funding Source According to Clearpool’s announcement, the buyback initiative will draw on revenue generated from Dynamic Pools, Clearpool Prime, Credit Vaults, and the USDX T-Pool. These sources have built consistent inflows since the protocol’s last operational update.
The company stated that buybacks had been paused in earlier quarters as it finalized a shift in product strategy.
That adjustment is now reflected in new launches such as the Fintech Vault and PayFi. These products extend the protocol’s lending capabilities to a wider market segment while diversifying its revenue base.
With these expansions live, Clearpool will begin acquiring CPOOL again in structured cycles. The buyback activity is expected to provide steady demand for the token while reflecting the project’s long-term growth approach.
The new plan formalizes a balance between ecosystem sustainability and holder incentives, two themes central to the project’s recent roadmap.
Clearpool is resuming its buyback program to purchase $CPOOL from the open market, initiating a series of planned buybacks.
The program will utilize revenue generated from recent quarters across the full Clearpool ecosystem, including Dynamic Pools, Clearpool Prime, Credit… pic.twitter.com/NOFWFnYopz
— Clearpool (@ClearpoolFin) October 20, 2025
Half of Purchased Tokens Head to Rewards and Reserve Funds Clearpool outlined that 50% of all repurchased CPOOL tokens will be deposited into Clearpool Rewards, a system designed to enhance community participation. The other half will be directed to the Clearpool Reserve, supporting ecosystem development and liquidity measures.
This split aims to ensure that both users and the protocol benefit from ongoing buybacks. It also positions Clearpool’s treasury to respond more flexibly to future market conditions.
Analysts observing the update suggested that this structure could add steady pressure on circulating supply while reinforcing protocol backing. While no timeline for completion was disclosed, the strategy implies buybacks will occur periodically as revenue accumulates.
By reinvesting operational income into its native token, Clearpool continues aligning revenue performance with community growth. The model reflects a tightening link between its ecosystem’s utility and the underlying asset’s activity.
South Korea-based cryptocurrency exchange Upbit has announced new market support for the digital asset Clearpool (CPOOL). The exchange announced that CPOOL will be listed on KRW (Korean Won), BTC (Bitcoin), and USDT (Tether) trading pairs.
Upbit Announces New Market Support for Clearpool (CPOOL) According to the statement, CPOOL deposits and withdrawals will become active within 1 hour and 30 minutes of the announcement. CPOOL spot transactions will begin at 4:30 PM on October 22nd.
CPOOL will be traded on the Ethereum network. Upbit emphasized that users should carefully select the correct network before depositing assets. It warned that assets sent via different networks may not be processed and that the refund process may take longer.
During the new listing, various trading restrictions will be implemented to counter market volatility:
Buy orders will be closed during the first 5 minutes after the trade is opened.
Sell orders cannot be placed 10% below the previous day's closing price.
Only limit orders will be accepted for 2 hours after the start of trading.
Clearpool operates as a decentralized lending marketplace offering collateral-free lending to institutional investors. The project aims to strengthen the bridge between traditional finance and DeFi (decentralized finance). The platform provides institutional lending infrastructure through various products, including PayFi Vault, USDX Treasury Pool, Dynamic, and Prime lending pools.
The CPOOL token is used for staking, governance, and incentive mechanisms on the network.
With this move, Upbit aims to expand access to DeFi-based lending protocols and increase liquidity options for institutional users.
*This is not investment advice.
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Clearpool (CPOOL) price surges more than 70%, trading above $0.173 at the time of writing on Wednesday. This rally follows the confirmation of Upbit, South Korea’s largest crypto exchange, for the CPOOL listing. The rally pushes CPOOL’s market cap above $136 million, overtaking rivals like PNUT and ZIG, while technicals suggest further upside toward the $0.217 target.
Clearpool, a decentralized capital markets ecosystem that enables institutional borrowers to access unsecured loans directly from the Decentralized Finance (DeFi) ecosystem, rallies by more than 70% on Wednesday. The main reason for this price surge is that Upbit, a crypto exchange, announced it would list CPOOL with trading pairs against KRW and USDT.
This news is triggering a massive surge in CPOOL price as a centralized exchange listing typically signals increased liquidity, accessibility, and investor confidence in the token.
CoinGecko data shows that Clearpool’s market capitalization reaches over $136 million on Wednesday, surpassing other popular altcoins such as ZIGChain (ZIG) and Peanut the Squirrel (PNUT), securing the 410th spot in the overall crypto market capitalization table.
Clearpool Price Forecast: CPOOL bulls aiming for $0.217 markClearpool price is breaking above a descending trendline (drawn by connecting multiple highs since mid-August) on Wednesday and rallies nearly 73%, trading around $0.173 as of writing.
If CPOOL continues its upward momentum, it could extend the gains toward the August 14 high of $0.217.
The Relative Strength Index (RSI) on the daily chart reads 69, pointing upward, indicating strong bullish momentum. Additionally, the Moving Average Convergence Divergence (MACD) shows a bullish crossover, giving a buy signal and indicating an upward trend.
CPOOL/USDT daily chart
On the other hand, if CPOOL faces a correction, it could extend the decline to retest the 50-day Exponential Moving Average (EMA) at $0.129.
CPOOL, the native token of the DeFi institutional credit protocol Clearpool, went parabolic after Upbit announced its listing.
Summary
Clearpool price rose over 70% after Upbit announced support for the token. A descending parallel channel pattern has formed on the daily chart. A clean breakout from $0.172 level could potentially lead to over 40% upside for CPOOL. According to data from crypto.news, Clearpool (CPOOL) rallied 72% to an intraday high of $0.172 before settling at $0.134 at the time of writing.
CPOOL’s gains came along with a 780% surge in its daily trading volume in the spot market, hinting at robust demand from investors. Data from CoinGlass also pointed to a massive uptick in open interest in its futures market, with OI rising nearly 3,000% to $3.69 million, suggesting growing speculative interest.
A closer look at the long/short ratio across all exchanges also stood at 1.14. This means that a larger number of traders have leaned into bullish bets, a factor that could continue to drive positive sentiment among new investors.
Clearpool’s price shot up today shortly after the South Korean crypto exchange Upbit announced it would list the token on its platform. Listings on major exchanges like Upbit, which boasts the highest trading volume in South Korea, often enhance a token’s visibility and credibility, attracting a wave of new investors and triggering sharp price gains.
As earlier reported by crypto.news, ORCA, the native token of the Solana-based DEX Orca, rallied over 200% shortly after a similar listing announcement from Upbit.
However, investors should note that listing-based, community hype-driven rallies often face sharp pullbacks within days as traders start booking profits.
For the uninitiated, Clearpool is a decentralized institutional credit protocol that connects verified institutional borrowers with unsecured liquidity from DeFi lenders. The CPOOL token enables staking, governance, and incentivizes participants within the Clearpool protocol.
Clearpool price analysis On the daily chart, CPOOL price has broken out from the upper boundary of a descending parallel channel that had been forming since mid‑August.
Clearpool price has broken out of a descending parallel channel pattern on the daily chart — Oct. 22 | Source: crypto.news Descending parallel channel patterns usually show a token making lower highs and lower lows. The price moves within two downward-sloping, parallel lines, forming a steady downtrend. If the price breaks above the top line, it often signals a bullish reversal. But if it breaks below the bottom line, it usually means the downtrend will continue.
Technical indicators support the bullish picture at press time. Notably, the MACD line has crossed above the signal line, indicating momentum is continuing to shift in favor of bulls. Meanwhile, the RSI has climbed sharply to 57, moving above its neutral zone, which in turn suggests renewed buying pressure.
For now, the key resistance lies near $0.172, the intraday high formed earlier today. This level also coincides closely with the 61.8% Fibonacci retracement drawn from the Aug. 23 high to the Oct. 10 low, a critical zone that often acts as a major inflection point.
A decisive break above this resistance could instill bulls to target $0.190, a level where buying momentum had previously stalled, making it a key psychological barrier in the short term. The said level lies 42% above the current price level.
On the downside, a drop below $0.116, corresponding to the 23.6% Fibonacci retracement level, could invalidate the current rally and tilt momentum back in favor of the bears.
Disclosure: This article does not represent investment advice. The content and materials featured on this page are for educational purposes only.
Clearpool, a leading RWA platform for decentralized credit and payment finance (PayFi), is entering a new phase of global growth. The project is expanding its footprint in Asia. It has launched major exchange listings and restarted its buyback program. Clearpool Sets Up Major Presence in Asia Clearpool is stepping up its game in Asia. After a strong showing at Korea Blockchain Week 2025, the team announced that its token, $CPOOL, is now listed on Upbit and Bithumb. These are South Korea’s two biggest crypto exchanges. The move is a major step for the project as it works to grow its presence in the region.
🇰🇷 $CPOOL to be listed on @Official_Upbit and @BithumbOfficial, South Korea’s two largest exchanges on 22nd October, 4.30pm KST (UTC +9).
After a strong week at Korea Blockchain Week… pic.twitter.com/UYJZcp8e9S
— Clearpool (@ClearpoolFin) October 22, 2025
The listings opened on October 22 at 4:30 p.m. KST, giving Korean traders new access to Clearpool’s ecosystem.
Upbit pairs: CPOOL/KRW, CPOOL/BTC, CPOOL/USDT Bithumb pair: CPOOL/KRW Upbit and Bithumb together handle most of Korea’s crypto trading. Being listed there gives Clearpool a chance to connect with millions of new users and institutional partners who are exploring on-chain credit and payments.
Clearpool is resuming its buyback program to purchase $CPOOL from the open market, initiating a series of planned buybacks.
The program will utilize revenue generated from recent quarters across the full Clearpool ecosystem, including Dynamic Pools, Clearpool Prime, Credit… pic.twitter.com/NOFWFnYopz
— Clearpool (@ClearpoolFin) October 20, 2025
Buyback Program Resumes Clearpool has also restarted its $CPOOL buyback program. This is a move that reflects confidence in the project’s growth. The program was paused for a few months as the team rolled out new products like the Fintech Vault and PayFi initiatives.
Now, it’s back, using revenue from across the Clearpool ecosystem, including:
Dynamic Pools Clearpool Prime Credit Vaults USDX T-Pool Half of all tokens bought will go to Clearpool Rewards (for community incentives). Additionally, the other half will be added to the Clearpool Reserve to support long-term ecosystem growth.
🌊 Weekly Waves 🏄♂️
Surfing the highlights of the week from our ecosystem!
1️⃣📈 TVL Keeps Climbing!
Clearpool’s USDX T-Pool on @FlareNetworks surpasses $41M. It’s stablecoin szn!https://t.co/SwJgNTd2dD
2️⃣📺 @JKronbichler was interviewed at #KBW2025
“Stablecoins are the… pic.twitter.com/JePionMKPA
— Clearpool (@ClearpoolFin) October 18, 2025
Major Ecosystem Growth Beyond its expansion across various markets, Clearpool has recorded major ecosystem growth. Clearpool’s data shows solid momentum:
$41M TVL in the USDX T-Pool on Flare Network $850M+ in loans originated $10M+ in interest earned $400K in ecosystem support from Plasma Finance The first Fintech Credit Vault launched by Ola Labs, powered by cpUSD At Korea Blockchain Week, Clearpool CEO Jakob Kronbichler said, “Stablecoins are the future of payments, and PayFi is the structure that realizes that future.” His comment sums up Clearpool’s mission. The company plans to make credit and payments fully transparent and accessible on-chain.
📊 $41M TVL and counting. Built for stability, designed for scale.
Deposit $USDX on @FlareNetworks now.https://t.co/RGT8VlsFTE$CPOOL pic.twitter.com/io7tj1nsbI
— Clearpool (@ClearpoolFin) October 17, 2025
Sticking to The Big Picture These updates show that Clearpool is not slowing down. The new listings open doors in Asia. Plus, the buyback program boosts confidence, and product growth proves demand is real.
Combining DeFi tools, institutional finance, and stablecoin-powered lending is a smart strategy. It shows that Clearpool is building something ambitious. And this could be one of the strongest bridges between traditional finance and the blockchain world.
Disclaimer The information provided by Altcoin Buzz is not financial advice. It is intended solely for educational, entertainment, and informational purposes. Any opinions or strategies shared are those of the writer/reviewers, and their risk tolerance may differ from yours. We are not liable for any losses you may incur from investments related to the information given. Bitcoin and other cryptocurrencies are high-risk assets; therefore, conduct thorough due diligence. Copyright Altcoin Buzz Pte Ltd.
Maple Finance is advancing a new model for decentralized credit markets through its MIP-019 proposal. The proposal replaces staking with token buybacks and governance incentives.
The move comes amid a surge in real-world asset (RWA) adoption and rising institutional interest in on-chain lending. Maple curbs token inflation and links rewards to actual financial performance, strengthening its position in the evolving RWA-driven credit ecosystem.
Maple’s MIP-019: From Staking to Sustainable On-Chain CreditMaple Finance, a decentralized credit marketplace, has approved the MIP-019 proposal. The proposal formally ends Maple’s staking program and introduces a buyback-based mechanism for its governance token, SYRUP. The change makes Maple’s tokenomics more sustainable and aligns the protocol more closely with traditional credit markets.
Moreover, protocol revenues will repurchase SYRUP tokens from the open market under the new framework. The old model distributed inflationary staking rewards. Maple’s governance forum states this transition “limits inflation, strengthens capital efficiency, and links value directly to protocol revenue.”
The market reacted swiftly. Maple’s total value locked (TVL) surged above $3.1 billion in late October, marking its highest level since 2022. Analysts attribute the spike to increased activity from institutional liquidity providers.
Maple’s total value locked (TVL): DefiLlamaMeanwhile, these providers are entering the RWA sector. Maple has positioned itself as a bridge between DeFi and real-world financial assets.
Market Reaction and RWA ContextThe MIP-019 proposal has drawn significant attention from on-chain analysts and key opinion leaders (KOLs). For instance, RWA-focused commentator @RWA_Guru described the change as “ultra-bullish.”
“Reduces inflation, caps supply growth, and introduces stronger governance incentives.” He highlighted how Maple’s move.
MIP-019 is ultra-bullish for Maple: it extends token buybacks, gives governance power to $SYRUP, and retires outdated staking — tightening supply and boosting long-term sustainability.
Less inflation. More utility.
— RWA_Guru (@RWA_Guru) October 28, 2025 These factors are critical for sustainable DeFi credit markets.
“The token crushed a multi-month downtrend,” said @TokenTalk3x, noting the market momentum around SYRUP following the proposal’s approval.
The broader RWA sector has grown rapidly over the past year. Protocols such as Centrifuge, Ondo, and Clearpool capture institutional demand for tokenized credit instruments. Maple’s strategy reflects a growing recognition. DeFi’s future may depend on integrating with off-chain, yield-generating assets. The platform replaces staking emissions with buybacks funded by real yield.
Risks and Institutional OutlookAnalysts have welcomed MIP-019. However, they caution that Maple’s new model introduces dependencies on external credit conditions. A downturn in RWA yields could limit Maple’s buyback capacity. A contraction in institutional borrowing would have the same effect.
Nevertheless, market observers see the governance shift as part of a larger evolution. The industry is moving toward “on-chain credit infrastructure.” Many analysts believe DeFi protocols are maturing from speculative farming to genuine financial utility.
Consequently, Maple’s latest governance overhaul represents more than a tokenomics tweak. It signals DeFi’s continued convergence with traditional finance. The company anchors protocol value in real-world credit flows, positioning Maple at the center of the RWA-driven on-chain lending revolution.
Rubio: US and Iran to continue technical consultations at the end of this month
Multiple foreign media outlets reported on the 24th that US Secretary of State Rubio said technical teams from the United States and Iran will hold further talks in Switzerland by the end of June. (Xinhua News Agency)
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According to HTX market data, Bitcoin has fallen below $60,000, with a 4.3% drop in the past 24 hours.
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