Skip to content

Credit Coop Review: Should You Lend Through Its Vaults?

Credit Coop is a DeFi credit protocol offering curated vaults that lend to businesses against future cash flows. Fees, withdrawal terms and safeguards need checking before you deposit.

By the SkyBitcoins review team · Updated

SkyBitcoins rating

Not rated yet

At a glance

Credit Coop key facts

Credit Coop key facts
TypeBusiness credit vaults
ChainsEthereum, Base, Avalanche
TokenNone listed
AuditsNone listed
Value locked$246K+15.2% 7d
Updated

Credit Coop FAQs

What is Credit Coop?

Credit Coop describes curated credit vaults for lending to businesses, with future cash flows used as programmable collateral. The protocol lists Ethereum, Base and Avalanche.

What does Credit Coop charge, and when can I withdraw?

Credit Coop does not publish fee or withdrawal details in the information available about its vaults. Check the terms for the specific vault before depositing, including how repayments and exits work.

Is Credit Coop safe to use?

No audits are listed for Credit Coop, and details about custody and borrower-vetting procedures are not published. Treat lending as risky: repayments are not guaranteed, and you could lose funds.

Compare

Credit Coop alternatives

All alternatives
Kasu logo

Kasu

Uncollateralized Lending

Score 5.5 out of 10

Kasu opens private business lending to crypto users, but advertised yields are not guaranteed and withdrawals are not promised on a schedule.

TVL $2.95K+9.2%Base · XDC · Plume
3Jane Lending logo

3Jane Lending

Uncollateralized Lending

Score 5.2 out of 10

3Jane offers USDC-funded USD3 and sUSD3, but uncollateralized credit risk and unclear fees and withdrawals call for careful checks.

TVL $11.1M−7.8%Ethereum
Wildcat Protocol logo

Wildcat Protocol

Uncollateralized Lending

Score 5.2 out of 10

Wildcat offers customizable, undercollateralized credit markets, but lenders must assess borrower risk and market-specific withdrawal terms.

TVL $2.71M−83.1%Ethereum · Plasma
Clearpool Lending logo

Clearpool Lending

Uncollateralized Lending

Score 5.2 out of 10

Clearpool offers permissioned on-chain lending to institutions, but check pool access, borrower risk, fees and withdrawal terms before depositing.

TVL $200K−0.1%Base · Ethereum · Optimism +6
cSigma Finance logo

cSigma Finance

Uncollateralized Lending

Score 5.1 out of 10

cSigma offers business-credit and DeFi yield products, but verify each pool’s fees, audit coverage and withdrawal terms before depositing.

TVL $1.24K−0.1%Ethereum · Arbitrum · Hedera +1
3Jane Options logo

3Jane Options

Uncollateralized Lending

Score 5.0 out of 10

3Jane offers credit-backed USD3 and leveraged sUSD3 yield, but check redemption, credit and audit details before depositing USDC.

TVL $97.0K−0.9%Ethereum

Same category

More Uncollateralized Lending dApps

Uncollateralized Lending rankings
Union Protocol logo

Union Protocol

Uncollateralized Lending

Score 4.5 out of 10

Union offers vouch-based, uncollateralized credit, but check current rates and terms carefully: no audit is listed.

TVL $266K−0.1%Optimism · Ethereum · Base +1
Bion logo

Bion

Uncollateralized Lending

Score 4.5 out of 10

Bion offers reusable wallet-assessed USDC credit on Base, but check your final fee and agreement before accepting an offer.

Ethereum · Base · Arbitrum +5
BNPL Pay logo

BNPL Pay

Uncollateralized Lending

Score 3.5 out of 10

BNPL Pay links Ethereum lenders with BNPL providers, but unclear fees, withdrawals and loss protections make careful due diligence essential.

Ethereum

Rocifi

Uncollateralized Lending

Score 3.2 out of 10

RociFi explores on-chain credit for under-collateralized DeFi loans, but confirm its current status, contracts and terms before using it.

Polygon · zkSync Era
Credit logo

Credit

Uncollateralized Lending

Score 3.0 out of 10

Credit offers USDC lending on World Chain, but unpublished costs and sparse security details make careful checks essential.

TVL $12.5K−49.6%World Chain
cap logo

cap

Uncollateralized Lending

Not rated yet

Cap offers USD credit and stablecoin products on Ethereum, but its costs, risk protections and product terms need verification.

TVL $183M−2.3%Ethereum

Same chain

More on Ethereum

Ethereum rankings
Lido logo

Lido

Staking Pool

Score 7.8 out of 10

Lido turns staked ETH into liquid stETH, but variable rewards, a 10% reward fee and withdrawal and contract risks need checking.

TVL $21.7B−1.1%Ethereum · Solana · Terra +2
Bitvavo logo

Bitvavo

Centralized Exchanges

Score 7.7 out of 10

Bitvavo offers euro funding, 400+ crypto assets and Pro Mode, but check withdrawal terms and the separate risks of staking and leverage.

TVL $311M−13.3%Ethereum · Bitcoin · Solana +9

Aave

Lending

Score 7.7 out of 10

Aave offers open crypto lending and borrowing, but variable rates, gas costs and liquidation risk make it best for informed DeFi users.

Ethereum
Aave V3 logo

Aave V3

Lending

Score 7.6 out of 10

Aave V3 offers non-custodial lending and collateralised borrowing, but rates vary and deposits remain exposed to DeFi and liquidation risks.

TVL $15.8B+3.4%Ethereum · Base · Arbitrum +18
Getblock logo

Getblock

Infrastructure

Score 7.4 out of 10

GetBlock suits teams needing multi-chain RPC and data services, but check usage billing, coverage and SLA terms before relying on it in production.

Bitcoin · XRP Ledger · Ethereum +3
Uniswap logo

Uniswap

DEXes

Score 7.4 out of 10

Uniswap offers wallet-based swaps and liquidity pools across 15+ networks, but pool fees, gas and self-custody risks still matter.

Ethereum · Base · Arbitrum +2

How we checked

Sources

  1. defillama.com/protocol/credit-coop(opens in a new tab)

Last updated . Spotted an error? Tell us and we will correct it.