Embedded Lending Infrastructure
for crypto wallets and neobanks
We connect crypto platforms to bank and fintech lenders. Wallet users can access stablecoin-native credit. Lenders can reach new borrowers using their existing systems.
Wallets can't lend.
Lenders can't reach.
Wallet providers have no way to offer credit. Lenders have no way to reach the borrowers using them.
“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.
Credit, surfaced in-app
A button, card, or prompt inside the app opens the flow.
One hosted application
Users apply once. Portola handles everything downstream.
Routed across the network
Portola matches lenders and borrowers.
Competing offers in seconds
Lenders return offers in seconds, the user selects.
Loan funds in Stablecoin
Lenders fund in fiat, borrower receives stablecoin.
Managed where they already live
Balance, schedule, and repayment, all-in app.
Traditional lending,
modern distribution.
Every loan is funded by a regulated bank or licensed fintech lender.
Digitally native, financially sophisticated, high intent.
Lenders use their existing underwriting criteria. Nothing changes.
Reach the borrowers your channels miss.
Who is it for?
For Lenders
Deploy existing loan products without changing underwriting, compliance, or funding rails.
For Platforms
Add credit utility and reduce off-ramp churn without taking on lender licensing or regulatory obligations.
One integration.
Every lender. Every wallet.
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, crypto-backed loans, lines of credit, and BNPL. Lenders use their existing credit box, underwriting criteria, and compliance framework, with no changes required. As new lenders join the network, new products become available to your users automatically.
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.