Earn yield, backed by global payment flows.
Deposit dollar stablecoins into Line's vault. Fund fixed-rate, short-dated credit secured by verified payment receivables.
To offer instant cross-border payouts, payment institutions must pre-fund accounts across every market they serve. Line replaces this trapped capital with on-demand credit, drawn the moment a payout is due and secured by in-flight settlement receivables.
$4T
in cross-border payments moves on prefunded capital that sits idle. Line turns that demand into fixed-rate credit yield your deposits can earn, on top of onchain money-market yield between draws.
Capital that never idles
Earn onchain money-market yield until the instant a draw consumes it.
01. Deposit
Deposit dollar stablecoins into Line's vault, built on Morpho's audited vault standard. Until a draw needs it, your capital earns variable money-market yield in Morpho Blue.
02. Lend
When a payment institution draws, your capital is pulled just-in-time into a fixed-rate, short-dated loan. Each loan sits in its own isolated market, secured by that institution's verified settlement receivables.
03. Earn
Draws repay within days as receivables settle. Your yield blends the fixed rates on outstanding credit with the onchain yield on idle capital, realized as the vault's net asset value per share.
Provide capital for real‑world credit
We're onboarding our first capital providers: funds, DAOs, and allocators looking to earn real-world yield on their digital assets.
- 01Curated, underwritten borrowers: regulated payment institutions only
- 02A senior claim, behind borrower equity and Line's first-loss reserve
- 03Preferred terms as an early provider