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The questions below address the most common points of confusion and inquiry from new and existing Synclear participants. If your question is not covered here, the Synclear documentation provides deeper reference material across each product area, and the support team is reachable via the channels listed at the bottom of this page.
CeDeFi — Centralized-Decentralized Finance — refers to financial infrastructure that combines the compliance controls, institutional-grade KYC/KYB, and legal enforceability of traditional (centralized) finance with the transparency, programmability, and composability of decentralized on-chain protocols.Synclear is a CeDeFi credit protocol specifically designed for on-chain businesses. It applies mandatory identity verification (KYB) and compliance screening at the participant layer, while executing all credit and savings mechanics on-chain via audited smart contracts. This means lenders and borrowers benefit from a compliant, auditable counterparty layer without sacrificing the on-chain transparency and programmability that pure DeFi provides.The result is a credit infrastructure suitable for institutional participants who require compliance without abandoning on-chain operations.
Minimum credit line sizes vary by credit pool configuration. Protocol-level minimums are in place to ensure that origination and compliance costs are proportionate to position size.As a general reference:
  • Standard over-collateralized credit pools: Minimum drawdown of $50,000 USDC equivalent.
  • Institutional mandate pools: Minimum credit facility of $500,000 USDC equivalent; subject to mandate terms and borrower TrustScore.
  • Savings vault participation (lenders): Minimum deposit of $10,000 USDC equivalent for institutional vaults; specific vaults may have higher minimums.
Exact minimums for each active pool are displayed in the Synclear app at the pool detail level. Contact the institutional desk for bespoke credit facility arrangements outside standard pool configurations.
Synclear is currently deployed on or being deployed to the following networks:
  • Ethereum Mainnet — Primary settlement layer; recommended for large-denomination transactions.
  • Base — OP Stack L2; lower gas costs; suitable for frequent protocol interactions.
  • Arbitrum One — Optimistic rollup; lower gas costs; suitable for vault and credit pool operations.
Additional EVM-compatible networks are planned for Phase 3 of the roadmap. Non-EVM networks are not currently supported. Network availability for specific products (e.g., certain credit pools or vaults may be Mainnet-only) is indicated in the Synclear app.
Synclear applies mandatory KYB (Know Your Business) verification to all participants accessing credit facilities, institutional savings vaults, or mandate operator functions. KYB covers:
  • Entity identity verification (corporate registration, legal name, jurisdiction)
  • Beneficial ownership disclosure (UBO identification and verification)
  • Sanctions and PEP screening against international watchlists
  • Source of funds documentation for institutional positions
Individual KYC is required for any individual acting as a mandate operator or authorized signatory for an entity. Consumer-facing retail access is not currently offered; Synclear operates on a business-to-business basis.KYB is completed via the Synclear onboarding portal and typically takes 3–10 business days depending on entity complexity and documentation readiness. Participants in jurisdictions subject to enhanced due diligence requirements may face additional steps.
Interest rates on Synclear credit pools are determined at the pool level by the pool operator at the time of pool deployment. The rate structure varies by pool type:
  • Fixed-rate pools: A fixed APR is defined at pool creation and applies to all drawdowns from that pool. The rate is immutable for the pool’s lifetime unless the pool is redeployed.
  • Variable-rate pools: Rates are set algorithmically based on pool utilization. As more of the pool’s available capital is drawn down, borrowing rates increase; as utilization falls, rates decrease. The rate curve parameters are set by the pool operator within protocol-permitted ranges.
  • Mandate/institutional pools: Rates are negotiated as part of the mandate agreement and may reflect the borrower’s TrustScore, collateral quality, and facility size.
Interest accrues on-chain in real time and is settled on repayment. Borrowers can view their current accrued interest at any time in the app.
Collateral deposited by borrowers to secure credit lines is held exclusively in Synclear’s audited smart contracts — not by any intermediary. The collateral management process works as follows:
  1. Deposit: The borrower deposits approved collateral into the credit pool’s collateral contract. The collateral is locked and immediately reflected in the borrower’s LTV calculation.
  2. Monitoring: The protocol continuously monitors the collateral’s value via oracle price feeds. The borrower’s LTV ratio is recalculated on every price update.
  3. Margin calls: If the LTV approaches the warning threshold, the borrower receives an on-chain event and off-chain notification to add collateral or reduce their outstanding balance.
  4. Release: Collateral is released back to the borrower upon full repayment of the drawn balance, subject to any applicable fees.
Collateral is never rehypothecated or deployed into external yield strategies without the borrower’s explicit, separate consent via a collateral optimization feature (when available).
If a borrower’s collateral value falls below the protocol’s liquidation LTV threshold, the position becomes eligible for liquidation. The liquidation process proceeds as follows:
  1. Liquidation eligibility: Once the LTV breaches the liquidation threshold (which is defined per pool and disclosed at pool level), the position is flagged on-chain.
  2. Liquidator execution: External liquidators (permissionless in standard pools) can call the liquidation function, repaying a portion of the borrower’s outstanding debt in exchange for the collateral at a discount (the liquidation incentive, typically 5–10%).
  3. Partial liquidation: The protocol liquidates only as much collateral as necessary to bring the remaining position back within a healthy LTV range, rather than closing the entire position.
  4. Shortfall handling: If the collateral value is insufficient to cover the full loan balance (a bad debt scenario), the shortfall is handled per the pool’s defined loss absorption mechanism — typically absorbed by the junior tranche or a reserve fund.
Borrowers are strongly advised to maintain a significant buffer above the liquidation threshold and to set up monitoring alerts for their positions.
Withdrawal mechanics vary by product:
  • Savings vaults: Withdrawals are processed based on the vault’s liquidity terms. Instant-withdrawal vaults allow redemption at any time subject to available liquidity in the vault’s liquid reserve. Queued-withdrawal vaults process redemptions on a periodic basis (daily, weekly, or at pool maturity) as borrower repayments provide liquidity.
  • Direct credit pool participation: Lenders in term credit pools are locked until the pool’s maturity date or until borrowers repay. If a secondary market for pool positions is available, lenders may transfer their position.
  • Notice periods: Some vault configurations require a notice period (e.g., 7 or 30 days) before withdrawal is processed. This is disclosed at the vault level before deposit.
Lenders should review the specific withdrawal terms of each vault or pool before committing capital. Assuming instant liquidity from Synclear products is incorrect without confirming the specific product’s withdrawal mechanics.
Yes. AI agents operating on Synclear — drawing down credit, making repayments, or interacting with savings vaults — must operate under a registered on-chain mandate via the MandateRegistry contract. Mandate registration requires:
  1. Entity KYB: The legal entity responsible for the AI agent must complete full KYB onboarding as an entity participant.
  2. Mandate configuration: The mandate’s operational parameters (permitted assets, maximum exposure, rate limits, drawdown frequency) must be defined and deployed on-chain.
  3. Agent address registration: The specific wallet address or smart contract address used by the AI agent must be registered under the mandate and linked to the KYB-verified entity.
  4. Technical review: Synclear’s institutional desk conducts a technical review of the mandate configuration for new agent operators to verify that parameters are correctly structured.
Standard individual or entity KYB alone is not sufficient for agent-operated mandates. See the mandate documentation for the full agent onboarding process.
Synclear provides support through several channels depending on the nature of the issue:
  • Documentation: This docs site covers the full protocol. Use the search function to locate specific topics. For integration questions, see the AI Agents overview.
  • In-app support: The Synclear app includes a support chat widget for authenticated participants. Response times are typically within 4 business hours during business days.
  • Institutional desk: Institutional participants with active accounts have a dedicated account contact. Reach your contact directly or email institutional@synclear.io.
  • General inquiries: Non-urgent questions can be submitted via support@synclear.io.
  • Security issues: For security vulnerabilities, use the responsible disclosure process described on the Audits & Security page. Do not submit security issues through general support channels.
Synclear does not provide support via public Discord DMs, Telegram, or social media. Be cautious of anyone claiming to represent Synclear support through those channels.
Synclear is designed for institutional participants globally, subject to applicable legal and regulatory requirements in each jurisdiction. Certain products may not be available in specific jurisdictions based on local regulations.Participants are responsible for determining whether their use of Synclear complies with the laws of their jurisdiction. Synclear applies jurisdictional screening during the KYB onboarding process and may decline to onboard participants from restricted jurisdictions.U.S. persons should note that Synclear’s credit products may not be registered under U.S. securities laws. Eligibility for U.S. participants is assessed on a case-by-case basis. Contact the institutional desk for jurisdiction-specific eligibility questions before beginning onboarding.