Textile Credit

Textile is live ⚡️ Private credit, now programmable. Credit companies can deploy pools in minutes. Capital providers can discover yield opportunities. Trust flows on-chain. Welcome to internet credit markets 🧵 app.textilecredit.com

When a borrower repays a loan in traditional private credit, money moves through lawyers, accountants, and manual checks before it reaches the lender. Every step costs time and fees. On Textile, the payment waterfall is encoded in the smart contract. When the borrower repays: 1. Capital providers receive interest automatically 2. The borrower receives their profit 3. The principal stays in the pool, ready for the next draw

fresh deploy: Textile v2.0.130 📊 ERC4626 share price history + repayment tracking 🎨 token price chart, perf bars redesign, smart timeframes 💰 biennial redemption periods 📧 withdrawal request notifications 31 commits. the charts finally tell a story. textilecredit.com

@empowa_io Big moment, proud to build together @empowa_io 💥

🚀 𝗪𝗘 𝗔𝗥𝗘 𝗟𝗜𝗩𝗘: Empowering Real-World Impact! We are thrilled to announce that Empowa's partnership with @Textileprotocol is officially live! You can now participate in the USDC on Base pool, bringing institutional-grade liquidity to real-world housing solutions. 🏠 𝗣𝗼𝗼𝗹 𝗗𝗲𝘁𝗮𝗶𝗹𝘀: 1️⃣ Asset: USDC (on @base) 2️⃣ Max pool size: $70k 3️⃣ APY: 9% 4️⃣ Redemption date: 1.03.2028 5️⃣ Interest payment intervals: 3 Months (Next 1.06.2026) 6️⃣ Purpose: Funding sustainable, affordable housing initiatives through the Empowa ecosystem. 💡 𝗪𝗵𝘆 𝗧𝗵𝗶𝘀 𝗠𝗮𝘁𝘁𝗲𝗿𝘀 As we highlighted in our recent partnership announcement, this collaboration is a massive step forward in expanding capital access. By bridging DeFi liquidity with Empowa’s mission. 🔗 𝗚𝗲𝘁 𝗜𝗻𝘃𝗼𝗹𝘃𝗲𝗱 𝗡𝗼𝘄 Ready to put your USDC to work? Head over to the 👉 app.textilecredit.com to view the pool and start participating. #AffordableHousing #RWA #Base #USDC #DeFi

Really excited about this pool, i was shocked when i learned that having a mortgage in Kenya is "not normal" But this is why we are here for, rebuilding the new normal. @empowa_io - read here more about Empowa and their actions

@empowa_io is now live on Textile. They give families in Kenya access to affordable housing finance. 88% of their customers had no access to any formal housing finance before Empowa. Their pool runs on @base in USDC. app.textilecredit.com/pool/0x37cb37B…

Most private credit pools fail to attract capital because lenders have no way to assess the risk. An underwriter changes that. They review the borrower, validate the deal structure, and co-sign the pool. Every pool they sign becomes part of their on-chain track record, visible to anyone.

Tekwane Mwendo looked at Kenya and saw 90% of the country's economy running through small businesses that banks have never served. He built @LejaApp to lend to them, because the returns are better and the entrepreneurs are stronger than anything the global north gives them credit for. That is the long tail of credit demand. New episode of Broken at the Edges is live: youtu.be/XS6NdzzPygk

Welcome @LejaApp to @Celo and @TextileProtocol 🙌 Real capital to real credit providers across the globe!

@LejaApp is now live on Textile. They give small businesses in Kenya access to working capital that banks turn down. Their pool runs on Celo at 37.69% APY in USDT. textilecredit.com

To raise working capital as a fintech lender in an emerging market, you spend $50,000 to $100,000 in legal fees, wait 3 to 6 months, and coordinate lawyers across multiple jurisdictions before a single dollar moves to a borrower. Most fintech lenders never get past this step. That cost is a large part of why the global credit gap sits at $5.2 trillion.

more pools launching next week we're not slowing down

fund → textile pool → fintech → small business in emerging market we made the supply chain visible because opacity is what keeps capital from flowing efficiently

6 pools live across Colombia, Philippines, Nigeria, Kenya, and British Virgin Islands traditional infrastructure takes months and costs $100K to set up one facility we let fintechs deploy in minutes for near-zero cost this is what removing friction looks like

We gave fintechs control over their own terms, instant deployment, and transparent track records infrastructure shouldn't be the reason good operators can't access capital 🧶

how capital providers withdraw from pools: Stake in a pool, withdraw when you need liquidity we built exit mechanics that don't require waiting for loan maturity

the $10 trillion credit gap exists because infrastructure wasn't built for small deals in emerging markets we don't think deal size or geography should determine access that's why we built textile 🧶

$315K deployed in less than 30 days we said private credit infrastructure was too slow. we built something faster. 6 pools across five countries prove it works.

Specialization is the next wave 🧶 the broad plays are done in mature markets. what's coming: culture-specific lending, agriculture equipment, education financing, gig economy infrastructure The long tail of credit, getting more focused this is exactly what textile enables: Infrastructure that doesn't discriminate by niche or geography

We've been thinking about what makes good credit infrastructure it should be: - fast to deploy (minutes, not months) - transparent by default (on-chain reporting, not quarterly PDFs) - open to everyone (no geographic gatekeeping) - programmable (terms as code, not legal documents) This is what textile is 🧶