What is Clearpool (CPOOL)?
👋 New to this? Just start reading at the top — it begins in plain English and gets more detailed as you scroll. Jump to any level:
🟢 The simple version
Plain English — no jargon. Start here.
Clearpool is a decentralised institutional credit marketplace where each whitelisted institutional borrower runs their own single-borrower lending pool — lenders choose which institution to lend to and bear that institution's specific credit risk.
Single-borrower pools
Unlike Maple (pool delegates manage mixed borrower pools), Clearpool gives each institution their own pool with a utilisation-based interest rate curve. Lenders see exactly who they're lending to. When a borrower's pool hits high utilisation, rates rise automatically to attract more lenders. If borrowers default, only that pool's lenders are affected. ~1B CPOOL governance. Is CPOOL legal in India? Yes. 30% tax, 1% TDS apply.
🟡 A bit more detail
For when you want to go a little deeper.
CPOOL vs Maple
Clearpool: direct per-borrower exposure (you know exactly who you're lending to). Maple/Syrup: delegated pool management (curator does due diligence for you). Clearpool = more transparent + more granular risk. Maple = delegated risk management. Both suffered 2022 borrower stress; both rebuilt risk frameworks in 2023.
🟣 The full technical picture
For the technically curious.
Key facts
- Token: CPOOL (~1B)
- Model: Single-borrower pools
- Rate: Utilisation-based curve
- Risk: Credit risk per borrower pool