How Credit Pools Work
Borrower underwriting. Before a borrower gains access to a credit pool, Synclear’s underwriting layer performs off-chain due diligence: financial statements, on-chain transaction history, collateral assessment, and legal entity verification. Only borrowers that pass underwriting are assigned a credit limit and allowed to open a pool. Pool structure. Each pool defines a credit limit, a base interest rate, a utilization curve, and a repayment schedule. Lenders fund the pool up to its credit limit. Borrowers draw down against available liquidity, with every drawdown and repayment recorded on-chain. Interest distribution. Interest accrues on every block against the outstanding borrowed balance. Lenders receive pro-rata shares of accrued interest proportional to their contributed capital. Interest compounds continuously and is claimable at any time. Capital protection. Pools may carry over-collateralization requirements, borrower reserves, or senior/junior tranche structures that protect lender capital in adverse scenarios. Pool-level parameters are set at creation and visible on-chain.Your capital is deployed at the pool level — you are taking direct credit exposure to the borrower(s) associated with each pool. Review pool terms, collateral requirements, and borrower profiles carefully before committing capital.
Lend Product Pages
Credit Pools
Browse available pools, understand pool mechanics, commit capital, and manage your lender positions.
Risk & Returns
Understand interest rate ranges, collateralization, default scenarios, tranche seniority, and performance expectations.