Credbull is a digital asset platform that specializes in private credit and real-world asset lending. It offers structured investment products for institutional and accredited investors and integrates blockchain infrastructure to facilitate transparent capital allocation and yield generation. ^[1]

Overview

Credbull is an on-chain private credit platform offering fixed-yield investment products. It operates a licensed private credit fund that deploys capital to SME lending originators, generating returns from a diversified portfolio of credit transactions. The fund provides fixed yields with optional performance-based upside and does not require a minimum investment.

The platform integrates with multiple EVM chains and RWA platforms to enhance liquidity and accessibility. It also enables users to transfer ERC-4626 claim tokens and leverage investments within its ecosystem. Additionally, Credbull offers a gamified app, inCredbull Earn, where users can engage with investment-related activities and governance using the $CBL token. Its strategy focuses on transparency, institutional-grade risk management, and bridging TradFi and Web3 investors. ^{[2] [3]}

Features

On-chain Private Credit Fund

The On-Chain Private Credit Fund is a blockchain-based investment fund managed by Credbull designed to provide transparent and accessible private credit opportunities. Unlike traditional Real-World Asset (RWA) investments, which often operate off-chain, the fund brings all processes on-chain, offering real-time visibility into strategy, risk management, and asset allocation.

The fund issues self-custodial Claim Tokens, allowing investors to track their holdings and participate in decentralized governance. It deploys capital to SME lending originators, supporting energy, agriculture, and infrastructure sectors while maintaining risk-adjusted returns. The fund offers fixed yields and flexible lock-up periods, appealing to investors seeking stable returns in volatile markets. Addressing inefficiencies in traditional and decentralized finance aims to improve accessibility and transparency in private credit investing. ^[4]

Fund Strategy

Credbull's fund strategy focuses on offering structured private credit investments on the blockchain, which provide fixed yields and potential upside participation. Private credit has historically been a high-performing asset class typically reserved for institutional and high-net-worth investors. Credbull seeks to expand access to these opportunities through blockchain-based investment products.

The fund offers a 10% fixed yield, with the potential for up to 30% additional returns based on performance. Integrating private credit lending with DeFi aims to enhance accessibility while maintaining risk management. The strategy emphasizes portfolio diversification and stable returns, leveraging blockchain for transparency and efficiency in credit markets. ^[5]

360 Risk Management

Credbull's risk management framework mitigates risks across its operations through rigorous oversight, advanced technology, and transparency. It applies strict due diligence when onboarding SME originators, using internal and third-party assessments to evaluate financial stability, regulatory compliance, and operational reliability. Once onboarded, originators' transaction data is continuously monitored through API data feeds, ensuring real-time credit risk assessment while maintaining data privacy.

Capital allocation follows a diversified strategy, distributing funds across multiple originators and products to reduce concentration risk and optimize returns. The platform maintains transparency through regular reporting on fund performance, risk indicators, and portfolio composition. AI-driven underwriting continuously verifies SME transactions, enhancing risk assessment and adaptability. These measures safeguard investor capital while ensuring efficient credit deployment and risk-adjusted returns. ^[6]

Orbit TVL Distribution

Credbull's Orbit TVL Distribution strategy focuses on scaling liquidity across multiple platforms and segments using an 80/20 prioritization model. The fund concentrates on key clients to unlock the majority of Total Value Locked (TVL). The fund operates on Polygon and plans to migrate to Plume Network. It will utilize Centrifuge’s on-chain asset management while maintaining chain-agnostic DeFi lending vaults. Initially deployed on Arbitrum, the vault will expand to access liquidity across various networks.

The distribution strategy targets RWA marketplaces and B2B2C platforms, including custodians, liquidity providers, DApps, centralized and decentralized exchanges, stablecoin lenders, and crypto-wallets. Liquidity sources include project treasuries, institutional investors, and crypto-native participants seeking fixed yields. In phase two, Credbull’s vaults will become permissionless, allowing third-party Web3 projects to create their own.

The broader goal is to attract new capital from traditional finance (Web2) into Web3 by offering uncorrelated, high fixed yields with low entry barriers. This addresses the lack of net capital inflow in recent cycles. This strategy aims to establish a long-term bridge between Web2 and Web3 finance. ^[7]

inCredbull Earn

inCredbull Earn is a gamified rewards platform designed to enhance community engagement and drive the adoption of Credbull’s DeFi ecosystem. It uses a quest-based model, rewarding users with $CBL tokens for participating in social, gaming, and on-chain activities campaigns. Users accumulate points through engagement, progressing through leaderboard tiers that determine their reward multipliers.

$CBL tokens for rewards are purchased on the public market using Credbull Fund profits rather than being distributed for free. Half of the purchased tokens are burned, introducing a deflationary mechanism, while the remaining half is allocated to users based on their tier status. Higher tiers receive greater multipliers, incentivizing continued participation.

Funding for inCredbull Earn’s rewards system comes from a structured buyback program, purchasing $CBL tokens equivalent to 1-2% of the platform’s Total Value Locked (TVL). The reward distribution follows a tiered structure, with multipliers subject to community governance. Additional utilities for $CBL within the Credbull ecosystem include access to exclusive features, governance participation, and staking opportunities, reinforcing the token’s long-term value. ^{[8] [9]}

Products

LiquidStone

LiquidStone is a Real-World Asset (RWA) investment product within Nest nRWA Vault, where it holds the largest allocation at 30%. It provides exposure to multiple asset classes, including instant settlement invoice financing with zero credit default risk, stablecoin lending, and tokenized US T-bills. LiquidStone operates on the Plume Network, offering 30% APY with 24/7 redemption. Users can stake and withdraw funds at any time without minimums, fees, or lock-up periods. Earnings accumulate continuously, ensuring flexibility and liquidity while generating yield. ^[10]

PureStone

PureStone is a private credit investment product offering institutional and accredited investors exposure to SME financing with a non-correlated 15% APY. It provides instant settlement invoice financing, secured by cash receivables, with an automated repayment mechanism that mitigates default risk. Developed in partnership with BlackOpal and Klub, PureStone funds qualified merchants on Noon, the Gulf Region’s largest e-commerce platform, by offering upfront payments against pending receivables. Investors access the product through a licensed on-chain private credit fund, with all profits allocated to the $CBL Rewards Pool, supporting yield-bearing token incentives. ^[11]

CBL Rewards Pool

The $CBL Rewards Pool is an on-chain private credit lending mechanism that distributes profits from Credbull’s lending products, such as LiquidStone and PureStone, through the yCBL yield-bearing token. yCBL represents a proportional claim on lending profits, linking its value to total TVL growth. Profits flow into a pool backed by $CBL, T-Bills, and yield-bearing stablecoins, ensuring stability and sustainable yields.

Participants can stake $CBL to earn yCBL, with rewards allocated based on time-weighted staking. yCBL can be converted to $CBL or traded on secondary markets. This system temporarily reduces $CBL’s circulating supply, providing liquidity while aligning incentives with the platform’s long-term growth. ^[12]

CBL

$CBL is a utility token within the inCredbull Earn ecosystem, used for rewards, governance, and platform fees. A weekly buyback mechanism repurchases $CBL using a portion of the platform’s operating profits, with half redistributed as rewards and the other half burned to reduce supply.

Users can lock $CBL to boost rewards, access exclusive in-game content, and participate in governance by voting on platform decisions. Institutional partners pay fees in $CBL, which are burned, reinforcing its deflationary model. The token also integrates into in-game economies, allowing holders to earn increased currency and unlock cosmetic items and characters. ^{[13] [14]}

Tokenomics

CBL has a total supply of 1B tokens and has the following allocations: ^[15]

• Community Growth & Rewards: 30%
• Treasury: 20%
• Private Sale: 19%
• Core & Future Team: 15%
• KOL Rounds: 7%
• Liquidity: 5%
• Partners & Advisors: 2.5%
• Public Sale: 1.5%

Partnerships

• CryptoWedge

Nest

Centrifuge

• Mountain Protocol

Ondo

• Anemoy
• Plume

Gnosis

• HODL Ventures
• Outlier Ventures