The borrowing product your stablecoin is missing

Issuance and supply are solved. Organic utilization isn't. Gearbox supplies the full borrow-side product stack (leverage, prime brokerage, RWA strategies) that drives adoption beyond yield-chasing.

Full product stack

“Earn” pool enables savings for the stablecoin. “Leverage” creates liquidity utilization.

No-DEX execution

Direct integrations with partner asset issuers allows borrowers to invest without depending on secondary liquidity.

RWA support

Give the users exposure to tokenized securities yield by plugging into RWA integration library.

Three mechanics that turn a stablecoin into a used product

Organic demand

Grow demand instead of paying for TVL.

Gearbox drives demand for productive borrowing by turning leverage into an accessible product and opening access to diverse yield opportunities. The money market launches with yield sources already integrated.

Built-in utility

Built-in access to direct investments.

Direct integrations with asset issuers allow partners to use the stablecoin as a native deposit asset, enabling a leveraged yield product without the liquidity bootstrapping requirement. Borrowers get improved UX and capital efficiency; lenders benefit from utilization.

Compliant by design

Compliant markets for every asset, from DeFi to RWAs.

Gearbox's architecture supports compliant markets across every asset class, from DeFi collateral to tokenized real-world assets. Credit Accounts segregate borrower positions on-chain; issuer-side whitelisting and transfer restrictions propagate through every integration. Tokenized treasuries, private credit, CLOs, and tokenized funds plug in alongside standard DeFi collateral.

Gearbox covers money-market access, liquidity, and yield utility for the stablecoin at launch

Gearbox

Typical Money Markets

Utilization

Borrowing is a clear product out of the box

Accessible leveraged yield strategies improve utilization and distribution. Gearbox ships a full stack of products to ensure organic usage.

Fail to facilitate supply utilization

Users fail to take advantage of money-market functionality, since use cases aren't present, or friction, complexity and UX stop them from participating. Supply-side incentives aren't enough to build sustainable adoption.

Liquidity

Native subscription and redemption for tokenized assets

Partner asset-issuers allow native subscribe and redeem using the partner stablecoin. Gearbox combines execution with credit to improve UX and capital efficiency.

Deep secondary liquidity is a prerequisite

Meaningful participation from borrowers and liquidators depends on deep secondary liquidity that issuers must fund and maintain themselves.

Strategies

RWA-ready by design

A growing library of integrations allows plug-in of versatile asset strategies (tokenized yield, credit strategies, prime-brokerage venues).

No scalable RWA support

Existing protocols have to be rebuilt to comply with the issuers' requirements and workflows, increasing complexity and friction of user interactions.

Launch the full stablecoin product stack

Out-of-the-box product suite

Leveraged yield, credit, and prime-brokerage strategies ship ready to run against your stablecoin, improving utilization, UX, and capital efficiency for holders.

Multichain deployment

Money market, Credit Accounts, and the strategy library deploy on every chain your stablecoin lives on, whether that is existing footprint or a new launch. One integration model end to end.

Investment without secondary liquidity

Credit Accounts subscribe and redeem tokenized assets directly against issuer mint-and-redeem mechanisms. Positions enter and exit at face value, without a DEX dependency on the underlying asset.

Bring Credit to Your Stablecoin

We work with stablecoin issuers through a short onboarding: parameter review, adapter integration against your mint and redeem surface, then launch. Typically 4–6 weeks from kickoff to first Credit Account.