# Qiro Finance

> Lend stablecoins globally

Qiro Finance is a decentralized private credit protocol. It connects stablecoin investors with fintech borrowers through tokenized private credit deals and provides credit underwriting infrastructure to other platforms.

Qiro Finance is a decentralized private credit protocol and a lending platform powered by stablecoins. It connects stablecoin investors with fintech borrowers seeking debt capital, using tokenized asset portfolios for underwriting and risk assessment. The protocol serves institutional and retail investors seeking private credit yield and fintechs in payments, invoicing, real estate, trade finance, and consumer lending that need working capital.

Qiro addresses a lack of reliable underwriting in onchain credit markets by digitizing borrower onboarding, credit scoring, and risk monitoring. Borrower assets are tokenized into programmable, auditable instruments that give investors visibility into repayments, defaults, and allocations through dashboards. Capital formation, including investor onboarding and stablecoin funding, runs through smart contracts.

Its main product, Qiro Marketplace, supports term loan pools for fixed-tenure lending and securitization pools for structured, cashflow-based deals across multiple tranches. A separate product, Qiro Underwrite, provides credit underwriting infrastructure to other onchain lending platforms, yieldcoin issuers, and undercollateralized lending protocols. Qiro is used by stablecoin investors, fintech borrowers, and lending protocols seeking standardized risk assessment.

- Type: Company
- Sector: DeFi
- Status: Active
- Founded: 2023-01-01
- Profile: https://thegrid.id/profiles/qiro_finance

## Products

- [Qiro Marketplace](https://thegrid.id/profiles/qiro_finance): Qiro Marketplace is a tokenized private credit lending platform that connects stablecoin investors with fintech and payment borrowers. Borrowers tokenize receivables, loan portfolios, or transaction flows to raise stablecoin debt through term loans or securitized structures, while investors deploy capital into curated credit vaults vetted through underwriting analysis. The platform digitizes onboarding, credit scoring, capital formation, and deal monitoring, giving investors dashboards for repayments, defaults, and allocations. Mainnet deployment is pending, with access currently available through an early-access signup. (Decentralised Borrowing & Lending, Early access, Main Product)
- [Qiro Underwrite](https://thegrid.id/profiles/qiro_finance): Qiro Underwrite is enterprise-grade credit underwriting infrastructure for onchain credit markets, serving RWA lending vaults, yieldcoin issuers, and under-collateralized lending protocols. It centralizes borrower data, applies a standardized credit risk framework, and provides ongoing portfolio monitoring in place of manual spreadsheet-based reviews. Clients integrate the infrastructure to evaluate collateral quality, price risk, and track borrower performance across deals, accessed by request through a dedicated onboarding form. (Risk Assessment, Early access)

## Links

- [Main](https://www.qiro.fi)
- [Documentation](https://docs.qiro.fi)
- [Terms of Service](https://docs.qiro.fi/connect/terms-of-use)
- [Privacy policy](https://docs.qiro.fi/connect/privacy-policy)
- [Media Kit/branding](https://drive.google.com/drive/folders/1GfQoVUNF250ikepRodVRrQaJ-P2_gXWE?usp=sharing)
- [Blog](https://www.qiro.fi/blogs)
- [Twitter / X](https://twitter.com/Qiro_Finance)
- [LinkedIn](https://www.linkedin.com/company/qiro-finance)
- [Substack](https://qiro.substack.com)

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- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
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- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
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- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP