Credit Coop's $4.5M Seed Round: Powering the Stablecoin Economy with Programmable Credit

Today marks a pivotal moment for Credit Coop and the future of onchain finance. We're thrilled to announce the close of our $4.5 million seed funding round. The round is led by Maven 11 and Lightspeed Faction, with participation from Coinbase Ventures, Signature Ventures, Veris Ventures, TRGC, and dlab.

This funding round accelerates our mission to become the credit infrastructure layer for the rapidly growing stablecoin economy.

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The $25 Trillion Opportunity

We're witnessing a seismic shift in global payments. With Visa and Mastercard embracing stablecoins, crypto payment companies are experiencing explosive growth. But there's a critical bottleneck: these companies need bridge financing to provide instant settlement while waiting days for traditional payment rails to clear.

Traditional banks and private credit funds can't keep pace—they're too slow, too expensive, and operationally burdensome for the 24/7 nature of crypto markets. This structural gap is holding back the entire ecosystem.

Enter Credit Coop: the programmable credit infrastructure that seamlessly bridges TradFi and DeFi rails.

Our Solution: Programmatic Recourse

At the core of Credit Coop is our Secured Line of Credit, powered by Spigot technology. This breakthrough gives lenders direct programmatic control over borrower cash flows—creating a fundamental reimagining of credit markets.

Here's how it works:

• For Borrowers: Convert future receivables (like Visa settlements) into instant working capital by collateralizing future revenues
• For Lenders: Direct claim on cash flows through a programmable lockbox that captures, monitors, and automates repayment in real-time
• Result: Eliminating counterparty risk through programmatic recourse, enabling true asset-backed finance

Everything happens onchain—transparent, programmable, instant. Built on UCC Article 12, our Spigot technology creates legally perfected security interests in digital payment flows. This is programmable collateral for institutional capital markets.

Proven Traction, Massive Demand

The market has validated our approach with exceptional velocity:

• $180 million in total volume processed
• $8.7 million in active loans with zero defaults
• $130 million+ in loan requests from qualified borrowers

Our early adopters—including Rain, Coinflow, Tulipa Capital, Re7 Capital, and Valinor—aren't just customers; they're pioneers helping us build the future of credit markets.

As Alexander Essle from Maven 11 put it: "By giving lenders direct control over repayment flows, they have eliminated counterparty risk, enabling undercollateralized lending. Under Christopher's leadership, we see Credit Coop as a sharper, cleaner, and more composable credit stack."

The Road Ahead

This funding round accelerates our vision across three key initiatives:

1. Meet Demand: Scale our engineering and business development teams to onboard the growing waitlist of borrowers
2. Capture New Markets: Expand from payment receivables to every type of business cash flow—marketplace payouts, subscriptions, SaaS, and beyond
3. Build Network Effects: Create the liquidity network where every business can instantly access capital against their revenues

The Team to Execute

Led by our founder, Christopher Walker, an ex-JPMorgan structured credit veteran, our team brings deep expertise in both traditional finance and blockchain technology. We understand the nuances of credit markets and the transformative potential of programmable money.

Join the Revolution

We're not just building another lending platform—we're creating the foundational infrastructure for how credit will work in an onchain economy. As stablecoins become the dominant medium of exchange, Credit Coop will be the engine that powers their circulation.

To our investors, partners, and the growing ecosystem of builders: thank you for believing in our vision. Together, we're making credit instant, transparent, and programmable.

The future of credit isn't just coming—it's here, and it's onchain.

Ready to transform your receivables into working capital? Visit creditcoop.xyz or reach out at contact@creditcoop.xyz

For lenders seeking uncorrelated yield backed by real cash flows, explore opportunities at app.creditcoop.xyz

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