Powered by Credit Accounts
Credit Accounts are user-owned smart-contract wallets. Add collateral to unlock a credit line and use that account to trade, invest, or stake across integrated protocols while keeping ownership and portability. The protocol checks solvency on every move so risk stays controlled.
Fragmented UX vs. Wallet-Native Credit
Pool-based lending
Traditional lending protocols silo users' funds in protocol-global pools, limiting capabilities to actively operate with collateral.
Credit Accounts
By putting collateral, debt, and execution routes inside a single smart contract wallet, users keep ownership while moving through swaps, farming, or RWA flows without repacking positions. Solvency checks sit behind every action so convenience stays aligned with risk controls.
What Credit Accounts enable
Wider reach to users for apps and institutions: Complex multi-transaction operations gate non-professional users. Credit accounts abstract execution allowing to focus on effective use of capital.
Fees and time saving for investors: Direct redemptions of semi-liquid tokens preserve months of yield, and batched transactions cut gas cost.
Largest set of supported collaterals: redemption receipts or Convex-staked positions become usable in a non-custodial, programmable account instead of being limited to prime broker clients.
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