🔥 I keep coming back to one simple truth, onchain credit only scales when idle capital stops being dead weight. That’s why this week’s drop from @ClearpoolFin | $CPOOL actually caught my attention. Credit Vaults feel like the first real attempt to fix the committed-but-not-working problem that every institutional lender quietly hates. Here’s how I see it: 1⃣ Most credit lines today: - You commit $10M -> borrower only uses $2M -> you still earn almost nothing on the remaining $8M -> everyone pretends this is normal. 2⃣ Credit Vaults: - You commit $10M -> borrower draws only what they need -> the rest gets deployed into low-risk markets (@aave , @Compound ) -> lenders earn more, borrowers pay less. Same commitment, different outcome. It’s basically a revolving line of credit (RLOC) built natively for crypto, which is usage-based borrowing + yield on undrawn capital. Capital efficiency without changing the core risk profile. A few updates I noted this week: - Nov 25-27: Teasers -> deep dive -> comparisons. Clearpool pushed the full narrative arc for Credit Vaults 2.0. - The math is simple: undrawn fees + deployment yield = higher APR for lenders, lower cost for institutions. - This solves one of the biggest inefficiencies in institutional stablecoin credit, capital waiting on the sidelines. - Clearpool Prime continues to grow, loans on ETH, Polygon, Arbitrum, OP, AVAX. - Korea angle is interesting too: National Assembly reviewing stablecoin bills + Clearpool’s partnership with KODA as a regulated entry point for institutional PayFi. I’m not saying this flips the entire credit market tomorrow, but this is the first product I’ve seen that addresses the elephant in the room: committed capital has to work harder. And @ClearpoolFin’s been at this longer than most, over $900M originated, now pushing institutional-grade structure into DeFi rails.