“Can onchain structured finance — using smart contracts to collateralize future cash flows — replace traditional intermediaries in private credit and become the credit layer powering the stablecoin payments economy?”
Credit Coop launched as an onchain structured finance protocol enabling businesses to collateralize future cash flows as credit collateral via smart contracts — a cryptonative take on revenue-based financing. The protocol expanded from Ethereum/Arbitrum to Polygon and Plume (RWAfi chain) to court TradFi asset managers and family offices. In 2026, a landmark integration with Visa's VisaNet settlement data positioned Credit Coop as infrastructure for financing stablecoin-linked card programs at scale, representing a significant pivot from pure DeFi lending toward embedded credit infrastructure for the stablecoin payments economy.
Credit Coop's cards run on Visa.
The Embedded Finance Index 2026 maps 2 layers in Credit Coop's stack: Card network (Visa); Lending (Secured Line of Credit, Cash Flow Financing (Revenue-Based), Smart Escrow & Liquidity-as-a-Service and Stablecoin-linked card program working capital).
Credit Coop is headquartered in Cayman Islands (Lockbox Foundation stewardship); CMBT Labs Inc. as DevCo.
Credit Coop has raised $4.5M in total (latest round: Seed, August 2025).
Get a read on where your own stack stands against Credit Coop and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.