RWA Lending · Review
ActiveClearpool Review 2026: Institutional Onchain Credit
Clearpool operates permissioned onchain credit markets for institutional borrowers and lenders, with an RLUSD lending product planned for XRPL. Access, rates, and risk details need careful checking before committing funds.
By the DappsAtlas editorial team · Updated
DappsAtlas score
6.5/10
Good
Our verdict on Clearpool
6.5/10Clearpool is aimed at institutional borrowers and lenders seeking permissioned, onchain credit markets, rather than casual users looking for an open lending pool. Its clearest strength is the focus on onchain loan issuance and repayment, alongside a detailed planned credit stack for RLUSD on XRPL. The main caveats are limited published information about fees, pool terms, audits, and the live networks. The XRPL product is not live yet, and lending still exposes participants to borrower and smart-contract risk.
Score breakdown
How Clearpool scores
- Security
- n/a
- Ease of use
- 4.0/10
- Fees
- n/a
- Features
- 7.0/10
Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.
What is Clearpool?
Clearpool is an institutional credit platform offering permissioned onchain lending. Its homepage describes the live product as multichain, with lending markets for institutional borrowers and lenders; it says the platform has originated loans and paid interest.
How Clearpool works
Clearpool connects institutional borrowers with lenders through permissioned onchain credit markets. The project says borrowers can take loans and repay them onchain. Lenders should evaluate each market's terms and borrower risk: a smart contract can record transactions, but it cannot make an undercollateralized borrower repay.
5 features
Key features
01
Institutional credit markets
Clearpool describes its current lending markets as permissioned and aimed at institutional borrowers and lenders. It says loans are originated and repaid onchain.
02
Multichain lending
The platform says its existing lending product is live across seven networks, but does not identify them on the homepage.
03
Planned XRPL credit stack
The planned XRPL stack combines RLUSD, XLS-65 vaults for deposits and shares, and XLS-66 lending for loan issuance and repayment.
04
Planned RLUSD custody
For the planned XRPL product, Clearpool says Hex Trust will custody RLUSD. This arrangement is described as forthcoming, not as a feature of the live multichain markets.
05
CPOOL token utility
CPOOL is identified as Clearpool's utility and governance token. The project also describes staking as a way to earn rewards and boost lending APRs.
Pros and cons
What we like
- Clearpool focuses on institutional lending rather than presenting itself as an unrestricted retail money market.
- The project says loan activity, including borrowing and repayment, takes place onchain.
- The planned XRPL product lays out a specific structure using RLUSD, XLS-65 vaults, and XLS-66 lending.
Watch out for
- Access is permissioned, so Clearpool is not an open lending market for every wallet.
- The homepage does not identify the seven networks where its live multichain lending operates.
- Fees, borrower terms, and pool-specific rates are not published on the homepage.
- Audit details, the current custody model, and incident history are not disclosed there.
- The RLUSD lending product on XRPL is still marked as coming soon.
Clearpool fees
Clearpool does not publish fees, borrower terms, or pool-specific rates on its homepage. Check the relevant pool terms and transaction details in the app before committing funds; costs and returns may differ by market.
Is Clearpool safe?
Lending carries borrower-default risk, and onchain records do not remove that risk. Clearpool says the planned XRPL product includes first-loss protection from borrower capital, but this should not be assumed to apply to every live market.
5 steps
How to get started with Clearpool
- 1
Check whether Clearpool's permissioned markets are available to you and whether you meet their participation requirements.
- 2
Review the current pool terms, borrower information, risks, and any applicable costs before choosing a market.
- 3
Use the app to follow its onboarding and wallet instructions if you are eligible to participate.
- 4
Confirm the asset, network, and transaction details before supplying funds or interacting with a loan.
- 5
Monitor your position and repayments through the relevant market, and avoid treating displayed or expected yield as guaranteed.
Who Clearpool is for
Clearpool is most relevant to institutions and eligible lenders or borrowers evaluating permissioned onchain credit. It is a weaker fit for users who need an open market, clearly published pool rates, or detailed public information about audits and borrower terms before they can assess risk.
Clearpool FAQs
What is Clearpool?
Clearpool is an onchain credit platform for institutional borrowers and lenders. Its live product is described as permissioned and multichain; the RLUSD lending stack on XRPL is marked as coming soon.
Can anyone lend on Clearpool?
Clearpool describes its live markets as permissioned, so participation is not necessarily open to every user. The project does not publish a full eligibility or onboarding process on its homepage.
How does lending on Clearpool work?
The project says it has originated loans and paid interest through its institutional lending markets. It does not publish pool-specific rates or guarantee returns, and lending carries the risk that a borrower may not repay.
Is Clearpool live on the XRP Ledger?
Clearpool's homepage says the XRPL product is planned to use RLUSD, with Hex Trust custody, XLS-65 vaults, and XLS-66 lending. The XRPL offering is marked as coming soon, so these details describe the planned product, not a currently live one.
What is the CPOOL token?
CPOOL is named as Clearpool's utility and governance token. The project also describes staking-related uses, but the terms and risks should be checked before using the token or staking it.
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How we checked
Sources
No public sources were recorded for this review.
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