Earn from short-term payment financing

Lend to vetted institutions through short-term, fully collateralized credit and earn from their repayments.

$1.29 B

KernelDAO TVL

P1P2P3P4

Ecosystem Partners

300K+

Users

Institutional-grade by design

Multiple layers of security and compliance to protect your assets.

Rigorous KYB

Every borrower passes a 3-step verification and underwriting process assessing credit-worthiness, liquidity, and compliance before approval.

Protected by insurance fund

The Insurance Fund is Kred's built-in safety layer designed to protect liquidity providers.

Proof of reserve

Leading oracle providers like ChainLink helping us with periodic surveys to maintain proof of reserves.

Certified for trust and transparency

Kred works with trusted partners like to ensure licensed operations, verified onboarding, and secure custody.

All of this, powered by KUSD

Mint KUSD, a fully collateralized stablecoin pegged 1:1 to USD with institutional safeguards. Stake it to earn sKUSD, linked to returns from short-term credit to verified institutions.

sKUSD

sKUSD rewards vs leading assets

sKUSD

Kred

Corporate Bonds

Synthetic Stablecoins

Syrup USD, USDe

Private Credit

Plasma, Pendle, Edge capital

Typical returns

8-15%

No leverage

2-6%

4-8%

10-20%

Leverage-dependent

Backing

Short-term

Secured institutional credit

Corporate debt obligations

Crypto reserves or algorithmic mechanisms

Crypto collateral + leveraged loops

Liquidity

Instant

On-chain

Low

Fixed-term

Medium to high

High

Volatile

Volatility

Low

USD-pegged + collateralized

Low

Medium

Peg fluctuations

High

Amplified by leverage

Transparency

Full on-chain credit visibility

Limited issuer reporting

Partial or inconsistent

Complex

Requires monitoring health factors & LTV

Operational complexity

Low

Simple stake/unstake

Moderate

Low to medium

High

Looping, rebalancing, monitoring positions

Settlement speed

Real-time

T+1 to T+3

Near-instant

Instant

Network-dependent

sKUSD Kred	Corporate Bonds	Synthetic Stablecoins Syrup USD, USDe	Private Credit Plasma, Pendle, Edge capital
8-15% No leverage	2-6%	4-8%	10-20% Leverage-dependent
Short-term Secured institutional credit	Corporate debt obligations	Crypto reserves or algorithmic mechanisms	Crypto collateral + leveraged loops
Instant On-chain	Low Fixed-term	Medium to high	High Volatile
Low USD-pegged + collateralized	Low	Medium Peg fluctuations	High Amplified by leverage
Full on-chain credit visibility	Limited issuer reporting	Partial or inconsistent	Complex Requires monitoring health factors & LTV
Low Simple stake/unstake	Moderate	Low to medium	High Looping, rebalancing, monitoring positions
Real-time	T+1 to T+3	Near-instant	Instant Network-dependent

sKUSD

EST Returns

sKUSD Amount

Tenure

Months

Loan Amount

$1,000

Interest rate (per annum)

10%

Total gains

$100

Access Kred's Litepaper

Let's begin

Ready to deploy capital with Kred?