Credit Card Receivables Vault

Stop pre-funding your network.

Start recycling capital automatically.

The Credit Card Receivables Vault converts your receivables into verified digital assets at origination — so investor capital flows in as cardholders spend, not 30 to 45 days later.

Apply to join the pilot

Every new cardholder makes the capital gap worse.

Credit card programs are structurally capital-intensive. You pre-fund settlement, hold reserves for weekends and holidays, and wait over a month to recover capital you've already sent to the network. The faster you grow, the more permanent that drag becomes. Warehouse financing exists, but it's expensive to set up, slow to close, and requires operational overhead most programs aren't staffed to absorb.

Receivables financing that runs on its own.

The Vault converts each receivable into a verified digital asset the moment it originates. Investor capital is drawn automatically against it and used to settle to the network. Repayment closes the loop — no manual reconciliation, no back-office coordination. The full capital cycle runs automatically from origination through repayment.

Verified at origination.

Each receivable is tokenized at creation, eliminating double-pledging risk.

Automated settlement.

Capital flows to the network without manual intervention.

Real-time visibility.

Investors see live portfolio performance. You see your funding position at any moment.

Built for programs that are growing faster than their capital structure.

You don't need to check every box. If most of this sounds familiar, we'd like to talk.

You run a credit or charge card program
Your receivables volume is roughly $10–30M
You're adding cardholders faster than you're adding capital
You don't have a dedicated capital markets team
Warehouse financing has felt out of reach — too slow, too expensive, or both
You're comfortable with digital infrastructure and prefer automated systems over manual processes

We're looking for one design partner to build this with.

The Vault is in development. We're bringing on one program to pilot the product, shape how it works, and give direct feedback before launch. In exchange, you get early access, direct input into the roadmap, and a financing structure that most programs your size can't access today.

What to expect

  • 01Direct line to the product team during development
  • 02Pilot terms designed around your program's specifics
  • 03No long procurement process — we move fast
Apply for the pilot