Embedded Lending Infrastructure for the Future of Finance

We connect crypto wallets to bank and fintech lenders. Users access stablecoin-native credit without leaving their app. Lenders reach new borrowers through their existing systems.

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© Portola Technologies, Inc.
Wallets
Neobanks
Embedded
infrastructure
Licensed
Lenders

Wallets can't lend.
Lenders can't reach.

/ The Problem

Wallet providers have no way to offer credit products. Lenders have no channel to on-chain borrowers.

Fragmented Ecosystems
No Credit Routing Layer
No Settlement Rails
/ The Embedded Advantage
Ciaran O'Kelly

CEO Prime Financial Technologies
Board Member Upstart
Advisor Portola

“Aggregators make you compete on price for borrowers who are already shopping. Embedded lending flips that, you reach people at the moment they need credit, inside an app they already trust.”

Portola connects
wallets to lenders.

/ Our Solution

Wallets offer credit without regulatory burden. Lenders reach borrowers without changing systems. We handle everything in between.

Partner
Request / Approval
Coordination Layer
Decision / Approval
Lender

Lenders keep their workflow

Same underwriting, same funding, same systems.

Wallets add credit without risk

No licenses, no capital, no balance sheet exposure.

No custody, no conflicts

Zero-knowledge routing. Portola never touches borrower data.

Users stay in-app

Borrowers get credit without leaving their wallet.

New distribution channel

Reach prime borrowers beyond saturated aggregator channels.

Credit without compliance burden

Partners offer loans without regulatory exposure.

/ For Lenders

Traditional lending,
modern distribution.

Licensed lenders only

Every loan is funded by a regulated bank or fintech lender.

Standard underwriting

Lenders use their existing underwriting criteria. Nothing changes.

Prime borrowers

Digitally native, financially sophisticated, high intent.

A new origination channel for prime borrowers.

Let’s talk

/ Who is it for?
Lenders
Partners

Reach new borrowers without changing your underwriting, compliance, or funding rails.

Add credit utility and reduce off-ramp churn without taking on lender licensing or regulatory obligations.

Let's talk

Fintechs

Licensed Lenders

Fintechs

Credit Unions

Fintechs

Licensed Lenders

Fintechs

Credit Unions

Wallet Providers

Stablecoin Platforms

Fintechs

Exchanges

Wallet Providers

Stablecoin Platforms

Exchanges

One integration.
Every lender. Every wallet.

New partners, no new integration work
Standard API
Licensed lenders. Scaled wallets.
Scalled wallets
Licensed Lenders

See how Portola fits your stack. We'll walk you through the API and scope an integration.

Talk to our Team

/ The Integration

Integration without
workflow disruption

Wallets / Partner apps
Loan Origination System
Portola connects directly to your LOS. No new workflows.
Let's talk

Frequently Asked
Questions

Lenders fund loans via standard ACH. Portola automatically converts USD to stablecoin and delivers funds to the borrower's wallet. For repayments, borrowers pay from their wallet in crypto, and Portola converts it back to USD before sending to the lender's bank account. Lenders never touch crypto.

Unsecured personal loans. Lenders use their existing credit box, underwriting criteria, and compliance framework. No changes required.

Borrowers initiate repayment directly from their wallet using stablecoins or crypto assets. Portola automatically converts the payment to USD and routes it to the lender via ACH. The entire experience stays native to the wallet.

No. Portola handles compliance and licensing. We route applications to licensed lenders who originate the loans.

The lender owns the loan and assumes all credit risk. Wallet partners have zero exposure to defaults or collections. Portola does not take on credit risk.

Portola Technologies, Inc. All rights reserved.
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