Infrastructure for XRPL institutional lending
Licensed broker-lenders run their lending books on the XRP Ledger using coll8ral. We provide the rails — non-custodial, on-chain, and compliant. End users access the platform through their broker’s own branded domain.
Non-custodial
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
Identity, vaults, loans, and collateral live on the XRP Ledger as the source of truth. The database is an operational mirror, not the record.
Compliant by design
Built for the safest position under the GENIUS and CLARITY Acts — KYC, sanctions screening, and on-chain credential gating, with no PII on-chain.
How access works
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.
Sign in here, on the platform console.
Broker staff
Invited by their broker
Admins, underwriters, compliance, and finance run their lending book. Invited by their broker — never self-serve.
Sign in on their broker’s dashboard.
Lenders & borrowers
End users
Complete KYC, connect a wallet, deposit to vaults, and accept or repay loans — fully self-custodial.
Sign up on their broker’s own branded domain. They never see coll8ral.
Are you the platform team? Go to the platform console.