Private credit is at the stage where online payments were before Stripe: demand is strong and capital is ready, but the infrastructure layer is still fragmented. 

Most institutions that look at onchain private credit hit the same wall.

They like the idea of programmable, transparent credit lines. They see tokenized RWAs maturing. But the moment they think “What if we launched our own product?”, they realise they’re signing up to become a lending infrastructure company: build a credit core, design onchain infrastructure, implement compliance processes, monitoring, documentation, and system integrations - all from scratch.

For a fintech, neobank, payment network, or BNPL (Buy Now Pay Later), that’s rarely the business you want to be in. Even with the credit framework clearly defined, turning it into a live product remains slow and bespoke.

Pareto’s ‘plug&play’ whitelabel solution is built exactly for that gap. 

We provide the programmable credit infrastructure, while partners keep the brand, the customer relationship, and the credit strategy. One integration is enough to launch private credit products under their own name, without building the lending core themselves.

It is effectively a Stripe-like model for private credit: infrastructure underneath, products on top.

Different integrators can use the same lending core for different credit products:

• Fintech lenders / credit platforms (e.g. Stripe Capital, Shopify Capital): revolving credit facilities, warehouse lines to fund origination, receivables- or invoice-financing programs

• Neobanks (e.g. Revolut, Brex): SME working-capital lines, corporate overdrafts, revolving credit for business clients

• BNPL providers (e.g. Klarna, Affirm): receivables-backed facilities, warehouse-style funding lines for BNPL portfolios, merchant financing programs

• Payment companies (e.g. Visa, Mastercard)

Imagine a neobank that wants to offer a credit line to its business clients.

Internally, the team already knows whom they want to support, how risk should be managed, which covenants matter, what compliance checks apply, and how capital should move. The credit policy is clear.

The problem starts when they try to turn that policy into a live product. Each credit facility quickly becomes a bespoke project: legal work, custom underwriting systems, manual KYC processes, reporting, and onchain infrastructure. Every new facility feels like a new build.

Pareto’s whitelabel infrastructure is designed to make this repeatable.

Instead of building from scratch every time, the neobank provides its credit playbook once: underwriting criteria, covenants, compliance requirements, and operational workflows. Pareto’s team and the neobank then work together to translate this playbook into a clear set of rules and parameters for a credit facility running on Pareto.

From that point on, the neobank’s credit facility operates according to these rules by design, rather than through ad hoc manual work.

The neobank is not allocating into an undifferentiated third-party product. It is operating its own branded credit facility, governed by its own policies, on shared infrastructure.

Running a credit facility is not just about setting terms once. The difficult part is managing the day-to-day lifecycle: letting the eligible lenders supply capital, processing borrower drawdowns and repayments, accruing interest and fees, monitoring utilisation against limits, and making sure all of this is reflected correctly in internal reporting and accounting.

On Pareto, once a facility is configured, the infrastructure automates these operations. In practice, the system:

• Controls which lenders are allowed to supply capital to the facility

• Enforces the agreed credit limits and handles borrower drawdowns and repayments

• Calculates and distributes interest and fees according to the terms of the facility

• Keeps an up-to-date record of balances and utilisation, which can be connected to the integrator’s own dashboards, risk tools, and reporting or accounting systems

This is the same model already used for institutional credit facilities such as the FalconX Credit Vault on Pareto. In that vault, the agreed loan terms, covenants, and risk parameters are built into the vault’s onchain logic. The curator, M11 Credit, monitors the facility and oversees enforcement when needed.

When a fintech, neobank, or other integrator uses Pareto’s whitelabel solution as its lending core, the pattern is the same: the partner’s credit and risk policies define the rules, Pareto’s infrastructure applies those rules consistently. Work that would normally sit across various departments - product, risk, operations, and finance - is handled by a programmable system in the background.

You do not just launch a loan product. You put the lifecycle of that credit line on autopilot.

Moreover, integrators get access to additional liquidity through Pareto’s integration with Morpho v2. The credit facility and its loans are originated and serviced on Pareto, while the vault itself is listed as a lending market on Morpho, where external lenders can supply capital under the same risk parameters. In practice, Pareto powers the credit product, while Morpho expands the pool of capital that can fund it.

For integrators, the real leverage comes from reuse. Once their credit logic is set up and automated on Pareto, it becomes a common stack they can apply across products. 

A single integration can support multiple credit offerings - BNPLs, corporate credit lines, SME working-capital and revolving facilities, receivables financing programmes - all running on the same lifecycle automation, documentation, and compliance rails. 

Launching a new product becomes a matter of defining the target customer, limits, pricing, and rules. The underlying credit infrastructure stays the same.

Under the hood, Pareto’s whitelabel offering includes the things institutions expect: standardized documentation, an optional zk-KYC/KYB process through Keyring, an integration path via API, and front-end support where needed. All of that matters, but none of it requires you to reinvent your business.

You stay focused on what you do best: understanding your customers, designing useful credit products, and deciding how risk should be taken and priced. Pareto provides the programmable credit rails, effectively eliminating the need to build your own lending infrastructure.

For fintechs, neobanks, and payment companies that want to embed private credit into their stack, the real choice is no longer “build or don’t build”. It’s whether to become a lending infrastructure provider yourself, or to stand your products on top of infrastructure that is already purpose-built for this.

If the latter sounds more aligned with your strategy, it’s worth exploring what a whitelabel private credit integration with Pareto could look like for your business. Contact us at info@pareto.credit

Pareto is an onchain credit infrastructure provider connecting institutional lenders and borrowers. Its whitelabel stack lets partners launch branded credit products without building the lending core from scratch.

Tailored for asset managers, fintechs, and neobanks, Pareto makes credit products programmable by default. It automates loan’s full lifecycle - from onboarding and facility controls to drawdowns/repayments, interest and fee accrual, and reporting - reducing operational overhead while improving transparency and capital efficiency.

As the financial landscape evolves, Pareto aims to set a new standard for institutional credit with fully automated, data-driven lending solutions.

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Private credit is at the stage where online payments were before Stripe: demand is strong and capital is ready, but the infrastructure layer is still fragmented. 

Most institutions that look at onchain private credit hit the same wall.

They like the idea of programmable, transparent credit lines. They see tokenized RWAs maturing. But the moment they think “What if we launched our own product?”, they realise they’re signing up to become a lending infrastructure company: build a credit core, design onchain infrastructure, implement compliance processes, monitoring, documentation, and system integrations - all from scratch.

For a fintech, neobank, payment network, or BNPL (Buy Now Pay Later), that’s rarely the business you want to be in. Even with the credit framework clearly defined, turning it into a live product remains slow and bespoke.

Pareto’s ‘plug&play’ whitelabel solution is built exactly for that gap. 

We provide the programmable credit infrastructure, while partners keep the brand, the customer relationship, and the credit strategy. One integration is enough to launch private credit products under their own name, without building the lending core themselves.

It is effectively a Stripe-like model for private credit: infrastructure underneath, products on top.

Different integrators can use the same lending core for different credit products:

• Fintech lenders / credit platforms (e.g. Stripe Capital, Shopify Capital): revolving credit facilities, warehouse lines to fund origination, receivables- or invoice-financing programs

• Neobanks (e.g. Revolut, Brex): SME working-capital lines, corporate overdrafts, revolving credit for business clients

• BNPL providers (e.g. Klarna, Affirm): receivables-backed facilities, warehouse-style funding lines for BNPL portfolios, merchant financing programs

• Payment companies (e.g. Visa, Mastercard)

Imagine a neobank that wants to offer a credit line to its business clients.

Internally, the team already knows whom they want to support, how risk should be managed, which covenants matter, what compliance checks apply, and how capital should move. The credit policy is clear.

The problem starts when they try to turn that policy into a live product. Each credit facility quickly becomes a bespoke project: legal work, custom underwriting systems, manual KYC processes, reporting, and onchain infrastructure. Every new facility feels like a new build.

Pareto’s whitelabel infrastructure is designed to make this repeatable.

Instead of building from scratch every time, the neobank provides its credit playbook once: underwriting criteria, covenants, compliance requirements, and operational workflows. Pareto’s team and the neobank then work together to translate this playbook into a clear set of rules and parameters for a credit facility running on Pareto.

From that point on, the neobank’s credit facility operates according to these rules by design, rather than through ad hoc manual work.

The neobank is not allocating into an undifferentiated third-party product. It is operating its own branded credit facility, governed by its own policies, on shared infrastructure.

Running a credit facility is not just about setting terms once. The difficult part is managing the day-to-day lifecycle: letting the eligible lenders supply capital, processing borrower drawdowns and repayments, accruing interest and fees, monitoring utilisation against limits, and making sure all of this is reflected correctly in internal reporting and accounting.

On Pareto, once a facility is configured, the infrastructure automates these operations. In practice, the system:

• Controls which lenders are allowed to supply capital to the facility

• Enforces the agreed credit limits and handles borrower drawdowns and repayments

• Calculates and distributes interest and fees according to the terms of the facility

• Keeps an up-to-date record of balances and utilisation, which can be connected to the integrator’s own dashboards, risk tools, and reporting or accounting systems

This is the same model already used for institutional credit facilities such as the FalconX Credit Vault on Pareto. In that vault, the agreed loan terms, covenants, and risk parameters are built into the vault’s onchain logic. The curator, M11 Credit, monitors the facility and oversees enforcement when needed.

When a fintech, neobank, or other integrator uses Pareto’s whitelabel solution as its lending core, the pattern is the same: the partner’s credit and risk policies define the rules, Pareto’s infrastructure applies those rules consistently. Work that would normally sit across various departments - product, risk, operations, and finance - is handled by a programmable system in the background.

You do not just launch a loan product. You put the lifecycle of that credit line on autopilot.

Moreover, integrators get access to additional liquidity through Pareto’s integration with Morpho v2. The credit facility and its loans are originated and serviced on Pareto, while the vault itself is listed as a lending market on Morpho, where external lenders can supply capital under the same risk parameters. In practice, Pareto powers the credit product, while Morpho expands the pool of capital that can fund it.

For integrators, the real leverage comes from reuse. Once their credit logic is set up and automated on Pareto, it becomes a common stack they can apply across products. 

A single integration can support multiple credit offerings - BNPLs, corporate credit lines, SME working-capital and revolving facilities, receivables financing programmes - all running on the same lifecycle automation, documentation, and compliance rails. 

Launching a new product becomes a matter of defining the target customer, limits, pricing, and rules. The underlying credit infrastructure stays the same.

Under the hood, Pareto’s whitelabel offering includes the things institutions expect: standardized documentation, an optional zk-KYC/KYB process through Keyring, an integration path via API, and front-end support where needed. All of that matters, but none of it requires you to reinvent your business.

You stay focused on what you do best: understanding your customers, designing useful credit products, and deciding how risk should be taken and priced. Pareto provides the programmable credit rails, effectively eliminating the need to build your own lending infrastructure.

For fintechs, neobanks, and payment companies that want to embed private credit into their stack, the real choice is no longer “build or don’t build”. It’s whether to become a lending infrastructure provider yourself, or to stand your products on top of infrastructure that is already purpose-built for this.

If the latter sounds more aligned with your strategy, it’s worth exploring what a whitelabel private credit integration with Pareto could look like for your business. Contact us at info@pareto.credit

Pareto is an onchain credit infrastructure provider connecting institutional lenders and borrowers. Its whitelabel stack lets partners launch branded credit products without building the lending core from scratch.

Tailored for asset managers, fintechs, and neobanks, Pareto makes credit products programmable by default. It automates loan’s full lifecycle - from onboarding and facility controls to drawdowns/repayments, interest and fee accrual, and reporting - reducing operational overhead while improving transparency and capital efficiency.

As the financial landscape evolves, Pareto aims to set a new standard for institutional credit with fully automated, data-driven lending solutions.

Website | App | X | LinkedIn | Discord | Telegram | Blog