What Is Clearpool?

1. What Is Clearpool?

Clearpool is a decentralized credit marketplace built on blockchain, enabling institutions to borrow unsecured capital directly from the DeFi ecosystem. It acts as a bridge between traditional finance (TradFi) and decentralized finance (DeFi), allowing professional borrowers to tap into global liquidity while giving crypto lenders access to attractive risk-adjusted returns. Clearpool leverages smart contracts and blockchain transparency to facilitate trustless, scalable lending without collateral requirements—something rarely possible in conventional DeFi lending protocols.

2. Why Clearpool Was Created

Traditional lending systems are slow, opaque, and heavily reliant on intermediaries. Institutional borrowers often face rigid loan processes, excessive paperwork, and high costs. Meanwhile, DeFi lending protocols mostly focus on overcollateralized loans, which limit broader adoption by excluding creditworthy borrowers who lack digital collateral.

Clearpool was created to solve this gap—offering a decentralized solution for unsecured lending that leverages on-chain reputation, risk scoring, and liquidity pools to streamline institutional borrowing. It democratizes access to capital while offering a new asset class for crypto-native lenders seeking exposure to real-world yields.

3. How Clearpool Works

1. Institutional borrowers undergo KYC verification and are whitelisted on the Clearpool platform.
2. Verified borrowers create single-borrower liquidity pools with set terms such as rates and duration.
3. Lenders deposit stablecoins like USDC into these pools in exchange for cpTokens representing their share.
4. Borrowers access the capital without collateral, backed by their reputation and platform risk controls.
5. Interest is paid by borrowers and distributed to lenders in real-time.
6. Lenders can trade their cpTokens or withdraw funds as liquidity becomes available.

4. Key Features of Clearpool

• Unsecured institutional lending via decentralized, permissionless pools
• Dynamic interest rates that adjust with market supply and demand
• Built-in risk assessment using credit scoring and analytics integrations
• Tokenized lender positions (cpTokens) with tradability and liquidity
• Multi-chain compatibility, including Ethereum and Polygon

5. Who Can Use Clearpool?

• Institutional borrowers like hedge funds, trading desks, and fintech firms
• Retail and institutional crypto lenders seeking DeFi-native yield
• Developers and analytics platforms integrating credit protocols
• DAOs and crypto treasuries allocating capital for stable returns

6. What Is the $CPOOL Token?

$CPOOL is the native utility and governance token of the Clearpool protocol. It underpins the entire ecosystem and has several core functions:

• Governance: $CPOOL holders vote on proposals related to protocol upgrades and risk frameworks.
• Borrower Staking: Institutional borrowers must stake $CPOOL to open liquidity pools.
• Incentives: Lenders and liquidity providers earn $CPOOL as rewards for participation.
• Risk Participation: In the future, staked $CPOOL may act as a risk buffer within the system.