Build a globally connected financial future where trust is built into the system itself - enabling both retail and institutional players to participate in more safe and efficient capital (credit) markets that drive economic growth and innovation.
We’re starting in the DeFi space by unlocking under-collateralized lending powered by live verifiable data from borrowers, and by providing retail and institutions access to yield opportunities that are live verified.
A Data Platform with live verification of borrower’s assets and trading exposure while fully preserving privacy.
The YieldApp transitions the Data Platform into a lending & borrowing marketplace where retail and institutions can explore live verifiable yield opportunities.
<aside> <img src="/icons/subtitles_green.svg" alt="/icons/subtitles_green.svg" width="40px" />
"The times of guessing whether somebody is financially healthy or operating as intended are over. We will make sure to prevent the fraudulent events from 2022 from happening again” -
Wojtek Pawlovski, Co-Founder & CEO Accountable
</aside>
Our Data Verification Platform brings transparency in borrower underwriting and monitoring across diverse venues, from banks and crypto exchanges to custodians and wallets. Moving away from unaudited financial statements and screenshots, we enable live verification of borrowers' assets and trading exposures, significantly boosting lenders' confidence. This advancement will drive more capital into the crypto credit market and improve efficiency through reduced collateral requirements, unlocking un(der)collateralized lending. Additionally, our data verification platform enables greater flexibility in credit creation through continuous monitoring and enforcement of loan terms (for example, restricting borrowers to trading only in USDC and USDT instead of DAI or FRAX, with automatic loan recall if violated).
Today's crypto credit market is highly fragmented, with protocols and infrastructure providers each focusing on specific lending types. Maple Finance provides collateralized pools with fixed-term maturities for accredited investors, while Clearpool specializes in uncollateralized lending with flexible terms and utilization-based rates in a permissionless system. Goldfinch offers fixed-term maturity pools with set interest rates, and centralized prime brokers like FalconX and Hidden Road provide margin-secured leverage through their risk management systems. These platforms typically serve distinct borrower groups—from market-neutral HFT firms to SMEs and fintech companies.
<aside> <img src="/icons/exclamation-mark-double_green.svg" alt="/icons/exclamation-mark-double_green.svg" width="40px" /> The market needs a truly neutral infrastructure that unites lenders and borrowers across all segments. This is precisely what our YieldApp delivers—a platform that enables borrower-lender interactions backed by live verifiable data, allowing them to engage on their own terms without being boxed into specific market categories.
</aside>
Rather than building yet another specialized lending platform, we provide users with flexible tools to create lending structures that match their specific needs. Our experience with M11 Credit showed us that rigid, one-size-fits-all approaches often prevent deals from happening, even when both parties are willing.
At Accountable, we take a different approach: instead of dictating terms, we empower clients to operate on their own terms while ensuring security and providing everything needed for a frictionless experience.