1-2% Cheaper
Most Cost-Efficient
85-100% LTV
Higher Loan-to-Value
45-90 Days
2-4x Faster Setup to Close
$20-500M+
Scalable Facility
With deep asset-backed finance expertise, our single platform allows you to get efficient access to scalable financing backed by institutional and retail liquidity. Built for the next generation of lending.
Non-bank lenders and consumer fintechs face expensive fees, slow timelines, and complex funding operations. Craftt’s tokenized credit platform is designed to change that.
Scaling a lending business means navigating warehouse financing with rigid covenants, equity components that dilute founders, and capital calls with costly dwell time.
Traditional private credit funding sources:
Craftt empowers lenders to access flexible, institutional-quality asset-backed financing and forward-flow arrangements, with full efficiency and transparency.
We structure facilities with focus on consumer finance, backed by your loan receivables: BNPL, Earned Wage Access, Credit Cards, Unsecured Consumer Loans, Installment Loans.
Better economics on every facility at 1-2% cheaper without heavy intermediaries.
Borrow more at 85-100% of receivables pledges with faster capital deployment.
Access both institutional and retail capital for diversified, risk-adjusted yields.
Expand your loan book automatically and efficiently with your origination volume. No renegotiations or new facility arrangements.
No equity kickers, no warrants, no profit participation. Keep full ownership for the growth capital you need.
Automated API reporting with real-time portfolio visibility. Less manual ops work for your entire team.
Call funds at the exact point of transaction: no dwell costs, no idle capital – capital efficiency for high-velocity originators.*
Option to access a portable, privacy-first credit identity to enhance underwriting while preserving borrower privacy.*
Lenders across regions can access a unified and programmable liquidity layer with standardized infrastructure.
*We are actively seeking design partners to co-build these features. Please reach out if interested: partnerships@craftt.co.
Craftt structures and manages your credit facilities end-to-end, from initial assessment to ongoing monitoring.
We evaluate your origination track record and growth trajectory, then structure and offer a warehouse facility or a forward flow arrangement that best fit your needs.
Our streamlined legal documentations and execution simplifies negotiations and facilitates quicker closing.
Seamless drawdown of funds and reporting to minimize your operational burden.
(Just-in-time funding coming soon).
Craftt is a tokenized asset-backed finance infrastructure. We are solving frictions in the funding markets for consumer lenders with a systematic solution. Our tokenized lending pool provides investors access to attractive yield over-collateralized by consumer loan receivables originated by high quality fintechs in areas such as Buy Now Pay Later, Earned Wage Access etc. We also structure and provide flexibile warehouse facilities to fintechs, and will bring efficiency and transparency to origination & servicing in this space. There is also a consumer mobile app (Craftt Pass) for anyone to earn, save, and manage their money globally anywhere.
Tokenization converts RWA (real-world assets) like loan receivables, into digital tokens that are recorded and settled on a blockchain. At Craftt, we tokenize our lending pool so that investors can earn stable yields by holding senior or junior tranche tokens, each representing a structured claim on a pool of credit assets. This removes the layers of manual settlement, opacity, and administrative friction that characterize traditional private credit. The result is faster settlement, meaningful portfolio visibility, and a credit structure that can scale across geographies without the constraints of conventional fund infrastructure.
The ABF platform is for institutional and retail investors to access high yields and manage their portfolios.
It will feature the Craftt Tokenized Lending Pool where our team of ABF experts curate and manage a structured credit vehicle and maintains the quality of the receivables backing the pool, structure the tranches for investors, and ensure the integrity of the underlying collateral.
The Craftt Tokenized Lending Pool is a structured credit vehicle that pools consumer loan receivables originated by high-quality fintech lenders, offering investors access to that pool through two token tranches: senior and junior. Each tranche token represents a structured claim on the pool where senior tokens carry lower risk with steadier yield, while junior tokens carry higher risk in exchange for higher potential return. The pool is overcollateralized by the underlying consumer loan receivables, meaning the value of the collateral pledged exceeds the capital deployed. Tokenization enables real-time portfolio visibility, more efficient settlement, and a structure that can scale across geographies without the operational constraints of traditional fund infrastructure.
The Craftt Tokenized Lending Pool is currently open for interest to institutional investors, accredited investors, and family offices. Investors can participate through the senior or junior tranche, depending on their risk-return preference. To explore institutional participation, reach out to our team at partnerships@craftt.co.
Retail investor participation is not yet available. If you're interested in access to immediate yield at the moment, please explore our consumer app Craftt Pass to earn 3% on your saving balances.
Craftt Pass is a consumer mobile app available on iOS and Android. We unlock borderless savings for anyone, anywhere. It offers daily interest on your balances automatically and a US account without the need for a local address or SSN. Card, rewards, and high-yield lending pool features coming soon.
Yes. Your funds are secured through our licensed partner, who handles all regulatory compliance and fund custody. Your money is held in treasury-backed assets, giving you the stability you expect with the speed and global access traditional banks can't match.
Interest is earned automatically by depositing funds on Craftt Pass. Unlike traditional savings accounts, interest is compounded every second to maximize the growth of your savings. It consists of treasury yields earned on USDB (a Bridge-issued stablecoin backed 1:1 by US dollars, where yield is generated from the interest on U.S. Treasuries and institutional money market funds backing the stablecoin reserves).
The earn rate, like all high yield savings accounts, is subject to change. This is due to changing market conditions, and may increase or decrease that rate over time.
USD, EUR, and major stablecoins. More details available in the Craftt Pass app.
We support 180+ countries with virtual accounts in USD and EUR available worldwide. You can receive payments from anywhere, regardless of where you're physically located.
Yes. All users have free access to start sending and receiving money, and earning interest on their balances.
It is asset-backed financing for non-bank lenders and consumer fintechs looking to scale their loan book. We deploy capital from the Craftt Tokenized Lending Pool directly to fintech lenders, structured as either a warehouse line or a forward flow arrangement.
Built by asset-backed finance veterans, our facilities are designed to be cheaper, faster, and more scalable than traditional facilities. The facility grows with your loan book, so you're not locked into a structure you'll outgrow. Tokenization is what makes this possible to enable more efficient capital deployment.
You can request our fact sheet here.
Consumer finance receivables, including BNPL portfolios, instalment loans, earned wage access, and consumer loans. No current support for business receivables, real estate, or physical asset collateral.
Our structure cuts out the intermediary layer that traditional lenders rely on, which is typically where 1–2% of spread disappears. There are no hidden fees and our covenants are performance-driven.
With non-dilutive asset-backed financing through Craftt, you can fund the growth of your lending business without giving up ownership of your company. There are no equity kickers, warrants, or profit participation requirements. Most specialty finance originators use this structure to scale lending activity.