Dear Poolsider Community,
We’re excited to unveil our roadmap for 2024! The roadmap provides a glimpse into our vision for the future as we scale and enhance the Clearpool protocol, pioneering DeFi credit and tokenized Real World Asset (RWA) lending.
Clearpool’s vision is to create the most comprehensive credit protocol in DeFi, providing a platform for any firm to access debt capital from the broader DeFi ecosystem. Clearpool is dedicated to building a venue that seamlessly bridges the gap between TradFi and DeFi, facilitating the on-chain migration of debt and credit origination.
Alongside expanding the marketplace to incorporate new borrower types and loan products, Clearpool is committed to providing lenders with innovative, tailored risk management tools, empowering them to customize and manage their risk exposure effectively.
Alongside our valued partners and growing community, Clearpool aims to drive the evolution of DeFi by fostering enhanced accessibility, inclusivity, transparency, and flexibility as we move into the era of institutional adoption and participation.
Q1
Credit Vaults
Clearpool is gearing up for the launch of Credit Vaults — an innovative new product that enhances interest rate efficiency for lenders and empowers borrowers with flexibility and control. With Credit Vaults, borrowers have the freedom to set their own terms and attract a new and wider range of lenders. Credit Vaults successfully passed a comprehensive Smart Contract Code Review and Security Analysis conducted by Hacken, achieving impressive results, including an exceptional 10/10 rating for security.
New Chain
Clearpool is expanding to a new chain, supported by a grant to further incentivize liquidity provision. The new chain will mark the fifth chain the Clearpool protocol is available on after Ethereum, Polygon, Polygon zkEVM, and Optimism.
Fintech Borrowers
Clearpool will introduce borrower pools launched by leading Fintech companies. These pools will initially focus on short-term receivable financing, enabling users to lend to non-crypto-related firms. This will allow DeFi users to access favorable interest rates without the downside of long lockup periods.
New Multi-chain UI/UX
Clearpool will introduce a new user interface that allows users to navigate and access different pools on the various chains on the protocol seamlessly.
Term Pools
Term pools enable permissionless pool borrowers to attract term liquidity by creating sub-pools with fixed maturity dates and enhanced yields. Lenders may lock their cpTokens for the duration of a term pool to earn additional yield offered by the borrower. Term pools improve capital and pricing efficiency for borrowers while providing more yield opportunities for lenders. Term pools were audited, deployed, and tested in late 2023, we expect the first pools to be officially launched very soon.
Q2
New $CPOOL Staking Model & Protocol Governance
The new staking model will transform how the protocol operates and empower the Poolsider community to actively participate in protocol governance. The new mechanism ensures that every $CPOOL token holder has a voice, while simultaneously paving the way for institutions to enter the Clearpool ecosystem and help shape its future direction.
Through the new staking model, users can stake their $CPOOL tokens on the Clearpool protocol and receive gCPOOL tokens in return. These gCPOOL tokens will grant holders the ability to propose and participate in governance.
Larger Variety of Borrowers and Credit Products
Clearpool is focused on expanding the range of borrower types available on our platform, including TradFi firms, DeFi protocols, traditional firms, and more. Simultaneously, we are actively developing and diversifying our credit product offerings, exploring various loan structures to provide our users with a comprehensive suite of options.
Detailed Credit Reports
Certain borrowers will soon have an optional detailed credit report. The credit reports will give lenders comprehensive information about the borrowers to help lenders make informed decisions, providing in-depth analysis beyond simple letter ratings and borrowing capacity.
Q3
Collateralized Lending
Clearpool will introduce collateral to the credit protocol, providing increased transparency and efficiency compared to traditional centralized lending systems.
Continued Multi-Chain Growth
In addition to the new chain expected in Q1, Clearpool will launch on another new blockchain with the goal of further integrating RWAs (real-world assets), enhancing the protocol’s reach and capabilities. More details to follow soon.
New Asset Support
Clearpool will expand its offering to include pools on different crypto assets, including those in high demand, such as Bitcoin and Ethereum.
Q4
Clearpool Prime V2
Clearpool Prime will undergo a significant revamp, introducing new features such as an open-term option and collateral management.
Exchange Traded Pools
With its commitment to providing world-class RWA infrastructure, Clearpool will introduce the highly anticipated exchange-traded pool (ETP) product. ETPs will represent one of the most sophisticated products within the DeFi and RWA space. ETPs will allow lenders to diversify liquidity across multiple borrower pools in a single transaction, mitigating counterparty risk while maintaining yield opportunities. ETPs will pave the way for further asset class support and structured product offerings.
Summary
Clearpool’s 2024 roadmap reflects our commitment to continuous innovation and dedication to providing our users with a comprehensive and secure product ecosystem. Given the fast-paced nature of innovation in the sector, we anticipate developing even more new products and features, which may be added to the roadmap during the year.
We look forward to delivering on these exciting developments throughout the year and keeping the Poolsider community up to date every step of the way!
