Clearpool Expands into Payments Financing with Stablecoin Yield Token

Clearpool, a decentralized credit marketplace, has launched a suite of products targeting fintech firms engaged in cross-border payments and card transactions. The offerings include stablecoin credit pools for payment finance (PayFi) and cpUSD, a permissionless yield-bearing token backed by short-term lending to payment providers.

"Stablecoins settle instantly, but fiat doesn't—this gap forces fintechs to front liquidity," said CEO Jakob Kronbichler. The PayFi pools provide credit to institutional lenders with repayment cycles of one to seven days, while cpUSD ties yields to real-world payment flows rather than speculative crypto activity.

The MOVE highlights stablecoins' growing role as core infrastructure in global payments, particularly in emerging markets with inefficient banking rails. Clearpool has already originated over $800 million in stablecoin credit to institutional borrowers including Jane Street and Banxa.