Provide solutions and the users will come!
$CPOOL just dropped one of their smartest upgrades yet, Credit Vaults with a revolving line of credit (RLOC) model and this changes things for both institutions and retail.
Traditionally, borrowers pay interest on the full loan even if they only use part of it. Capital just sits idle.
Clearpool fixes this.
With the new RLOC Credit Vaults:
- borrowers draw only what they need
- undrawn capital auto-earns yield in Aave, Compound, etc.
- lenders earn from borrow interest, undrawn fees, and DeFi yield
- the entire commitment works 24/7, nothing is wasted
The crazy part?
Borrowers pay less overall, while lenders earn more.
Example from their article:
A fixed-term loan costs the borrower 11% and pays lenders 11%.
With Credit Vaults:
Borrower cost drops to 9.5%
Lender yield jumps to 11.5%
Everyone wins.
Why this matters for retail:
You’re essentially getting exposure to an institutional-grade revolving credit product that:
- Pays higher, more consistent yield
- Uses low-risk DeFi deployments for unused capital
- Makes your liquidity productive at all times
- Operates transparently on-chain
This is how stablecoin-based credit should work. Efficient, flexible, and built for real usage.
Bullish on $CPOOL.
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.
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