coll8ralInfrastructure for institutional lending
Licensed broker-lenders run their lending books on XRPL using coll8ral. Non-custodial, on-chain, compliant — end users access through their broker's own branded domain.
Active Vaults
3 vaults across 2 programs
$2.4M
Total deposits
$1.8M
Loans originated
6.2%
Avg. APY
Principles
Three constraints that shape every line of code
Non-custodial
Your keys, your funds
The platform never holds funds or keys. Every transaction is signed by the user’s own wallet — operational accounts use XLS-12 multi-signature.
On-chain first
Ledger is the source of truth
Identity, vaults, loans, and collateral live on the XRP Ledger. The database is a mirror, not the record.
Compliant by design
GENIUS & CLARITY Act ready
Built for the safest position under both statutes — KYC, sanctions screening, and on-chain credential gating with no PII on-chain.
Access model
Three roles, three entry points
coll8ral is infrastructure, not a destination. Who signs in — and where — depends on the role.
Platform admins
The coll8ral team
Curate broker tenants, provision accounts, and oversee compliance from the platform console on coll8ral.com only.
Broker staff
Invited by their broker
Admins, underwriters, compliance, and finance sign in on their broker’s white-label domain — never on coll8ral.com.
Lenders & borrowers
End users
Complete KYC, connect a wallet, deposit to vaults, and manage loans on the broker’s branded domain. You do not create accounts on coll8ral.com.
Ready to run your book on modern rails?
coll8ral is white-label infrastructure for licensed lenders — we don't lend, underwrite, or hold client funds. Tell us about your firm.