$CPOOL is finally tackling an inefficiency everyone in on chain credit seemed to accept.
Most credit lines sit underused, yet the cost and structure never adjust.
The new Credit Vault design fixes that by letting borrowers draw only when needed.
Lenders still earn on the full commitment through utilization, undrawn fees, and low exposure deployment on Aave and Compound.
This setup could scale as larger institutions move on chain.
In on-chain credit markets, many facilities are structured as if balances will always be fully drawn. Institutions end up paying a fixed rate on committed capital even when they do not need to utilize the entire line.
Clearpool’s new Credit Vaults address this with a purpose-built revolving line of credit (RLOC) architecture.
Borrowers draw only as needed, while lenders earn on the full commitment through utilization, undrawn fees, and low-risk deployment into markets like @aave and @compoundfinance.
Full details 👇
CPOOL Credit Vault optimizes on chain credit
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