Private credit
for businesses

Deposit USDC into vaults that fund vetted loans to businesses and creditworthy individuals. Your interest comes from real repayments, not token rewards or emissions.

Explore Vaults ↗Apply for Credit ↗
Total Value Locked
Coming soon
across 2 vaults
Outstanding Principal
Coming soon
12 active positions
Active Loans
Coming soon
7 borrowers
Weighted APY
Coming soon
net of fees
01 — Available Vaults

Live pools accepting
USDC deposits.

View all vaults →
Stable Credit Pool
0x6b48…3B70
USDCERC-4626

Diversified private credit across businesses and individuals. A conservative strategy focused on capital preservation.

TVL
$1.62M
Net APY
6.8%
Target
6–9%
Utilization71%
Growth Credit Pool
0x4581…6FD9
Higher YieldUSDC

A concentrated, higher-yield pool with larger single-borrower positions across businesses and individuals.

TVL
$1.22M
Net APY
12.1%
Target
10–15%
Utilization88%
Settlement
Stablecoin-native
All principal, interest & fees move in USDC.
Standard
ERC-4626 vaults
Standard, audited share accounting.
Yield Source
Real loan economics
Interest from lending only, with no token incentives.
Transparency
Auditable on-chain
Every position verifiable, end to end.
02 — Two Sides of the Book

Lend capital. Or access it.

Acreda routes stablecoin deposits to vetted businesses and individuals, with the same transparent terms on both sides.

FOR LENDERS

Earn stablecoin yield
on real credit.

Deposit USDC, receive vault shares, and earn interest as borrowers repay.

1Deposit USDC into a vault matching your risk appetite.
2Receive ERC-4626 shares representing your pro-rata claim.
3Withdraw through a 7-day epoch queue. Yield comes only from loan repayments.
Explore Vaults ↗
FOR BORROWERS

Access credit lines,
business or individual.

Apply for unsecured or revolving credit with clear, on-chain terms. Open to both registered businesses and qualified individuals.

1Complete KYC (individual) or KYB (business) verification.
2Apply for an unsecured or revolving line. Credit review happens off-chain; terms and balances stay on-chain.
3On-chain origination with stablecoin settlement. Collateralized lending is coming soon.
Apply for Credit ↗
03 — How Capital Flows

From deposit to repayment,
fully on-chain.

DEPOSIT

Liquidity in

Lenders fund vaults with USDC and mint shares.

ORIGINATE

Loans issued

Underwritten businesses and individuals draw down credit.

SERVICE

Interest accrues

Repayments settle in stablecoin, growing share value.

REDEEM

Liquidity out

Withdrawals clear through the 7-day epoch queue.

Yield that comes from credit, not inflation.

Launch App ↗