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ONCHAIN CREDIT

Financing That Moves at the Speed of Your Business

Just-in-time onchain credit lines for fintechs, payment companies and lenders, with no fixed terms and no lock-ins.

The demand is there.

The funding isn’t.

The demand is there.

The funding isn’t.

Fast-growing fintechs and payment companies are often limited by the capital behind them, not by demand.

Sentora connects these businesses to onchain liquidity that can grow with their book, day by day.

Fast-growing fintechs and payment companies are often limited by the capital behind them, not by demand.

Sentora connects these businesses to onchain liquidity that can grow with their book, day by day.

One Platform, Both Sides of the Balance Sheet

One Platform, Both Sides of the Balance Sheet

The same infrastructure that puts idle capital to work also funds the businesses that need it. Earn and Credit run as one system on Sentora OS.

The same infrastructure that puts idle capital to work also funds the businesses that need it. Earn and Credit run as one system on Sentora OS.

Structured for Your Business
Structured for Your Business

Credit lines designed around how you operate, from short-dated settlement advances to longer-term growth financing.

Credit lines designed around how you operate, from short-dated settlement advances to longer-term growth financing.

Efficient by Design
Efficient by Design

Funded directly from onchain liquidity, with fewer intermediaries between capital and borrower. That means lower funding costs and capital that scales with demand.

Funded directly from onchain liquidity, with fewer intermediaries between capital and borrower. That means lower funding costs and capital that scales with demand.

Capital That Grows With You
Capital That Grows With You

Funding scales up or down with your needs, day by day. No fixed lender pool to outgrow and no months-long lockups to wait out.

Funding scales up or down with your needs, day by day. No fixed lender pool to outgrow and no months-long lockups to wait out.

The Structure Behind Every Credit Line

The Structure Behind Every Credit Line

Onchain liquidity, structured into credit that’s secured, monitored and repaid.

Onchain liquidity, structured into credit that’s secured, monitored and repaid.

Depositors
Depositors

Wallets, earn programs and vaults supply stablecoin liquidity.

Wallets, earn programs and vaults supply stablecoin liquidity.

DEPOSIT
DEPOSIT
REDEEM
REDEEM
Curated vault
Curated vault

Sentora sets caps, allocations and a liquid buffer for daily redemptions.

Sentora sets caps, allocations and a liquid buffer for daily redemptions.

FUND
FUND
RETURN
RETURN
Lending SPV
Lending SPV

Extends a revolving credit line, secured by receivables.

Extends a revolving credit line, secured by receivables.

DRAW
DRAW
REPAY
REPAY
Borrower
Borrower

Fintechs and payment companies finance growth and serve their clients.

Fintechs and payment companies finance growth and serve their clients.

Who's it for

Who's it for

Sentora Onchain Credit is used by fintech, neobanks and payment companies to increase the efficiency of their financial operations.

Sentora Onchain Credit is used by fintech, neobanks and payment companies to increase the efficiency of their financial operations.

Payment companies
Payment companies

Pre-fund settlements and pay recipients before client funds arrive.

Pre-fund settlements and pay recipients before client funds arrive.

Fintech lenders
Fintech lenders

Grow your loan book without waiting on new private capital.

Grow your loan book without waiting on new private capital.

Platforms with idle balances
Platforms with idle balances

Give users access to short-dated, secured credit yield.

Give users access to short-dated, secured credit yield.

Ready to scale your financing? Let’s talk.

Backed by the risk infrastructure that secures billions in onchain capital.

Ready to scale your financing? Let’s talk.

Backed by the risk infrastructure that secures billions in onchain capital.

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