Clearpool expands to XRPL with first institutional credit product using RLUSD

Clearpool, a DeFi lending protocol that has originated over $965 million in loans since 2021, is building the first institutional credit product native to the XRP Ledger. The product will use Ripple’s RLUSD stablecoin to fund working capital loans for fintech and payments companies, with Cicada Partners handling credit management. How the deal is structured The three-way partnership between Clearpool, Ripple, and Cicada Partners was announced on August 20-21, 2026. Clearpool provides the lending protocol infrastructure. Cicada Partners, which has over $860 million in credit underwriting experience, serves as the credit manager responsible for evaluating borrowers and managing risk. Ripple is participating as a limited partner, contributing capital for RLUSD yield products alongside technical support for integrating the stablecoin. The loans themselves target fintech and payments companies that need working capital, and will be denominated in RLUSD, Ripple’s stablecoin that launched in December 2024 and has since grown to a market cap of roughly $2.37 billion. The product is currently being tested on XRPL’s Devnet and has not gone live on the mainnet yet. Clearpool’s lending infrast...