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Synclear is a CeDeFi credit protocol built for on-chain businesses. As a capital provider, you interact with two distinct product surfaces — Lend and Save — each designed for different risk appetites, liquidity preferences, and operational complexity tolerances. Both products are built on audited smart contracts, with off-chain underwriting and compliance infrastructure layered on top to meet institutional standards.

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KYC/KYB Onboarding

Access to Synclear’s investor products requires successful completion of Know Your Customer (KYC) or Know Your Business (KYB) verification. This is a one-time process conducted through Synclear’s onboarding portal. Verification is required before any capital can be committed or deposited.
Onboarding typically completes within one business day for individuals and two to three business days for institutional entities. You will need to provide government-issued identification, proof of address, and — for entities — incorporation documents and beneficial ownership disclosures.
Once verified, your wallet address is allowlisted on-chain. All subsequent interactions with credit pools and savings vaults are permissioned to your verified address.

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Capital Deployment Paths

Lend

Commit capital to credit pools with direct exposure to verified on-chain borrowers. Earn structured interest with defined terms, borrower underwriting, and seniority protections.

Save

Deposit stablecoins or blue-chip assets into savings vaults for continuous, passive yield. No active management required — curators handle allocation on your behalf.

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Choosing Between Lend and Save

Both products settle on-chain. Interest accrual, position accounting, and withdrawals are fully transparent and auditable at any time.