Axcess is a DeFi credit infrastructure platform that lets borrowers access on‑chain loans while giving lenders a secure way to earn yield. The protocol combines an institutional custodian solution with an in‑house risk‑scoring model that merges on‑chain and off‑chain activity to protect funds and assess creditworthiness. It also offers flexible, modular borrowing terms so users can set their own APR, duration and loan capacity.
Funding
Funding not disclosed
Founders
Product
Problem
On-chain borrowers often face limited loan options that do not allow them to set specific interest rates, durations, or loan sizes, while lenders lack institutional‑grade risk controls and custodial safeguards when providing capital on decentralized platforms.
Solution
Axcess offers a modular lending platform that integrates on‑chain credit efficiency with a custodial infrastructure designed for institutional risk management. Borrowers complete a streamlined KYB verification and submit loan details, after which Axcess’s in‑house scoring model evaluates both on‑chain activity and off‑chain financial data to assess credit risk. Approved loans are issued through a locked loan vault that serves as collateral, preventing borrowers from withdrawing the underlying assets. Lenders receive yield based on the borrower‑set APR while the custodial solution protects their principal from loss. The platform’s architecture allows borrowers to customize loan terms such as APR, duration, and capacity, delivering flexibility without sacrificing security.
Target Audience
Primary users are decentralized finance borrowers seeking customizable credit facilities and institutional or retail lenders looking for yield opportunities with built‑in risk mitigation.
Features
- Institutional custodian layer that isolates lender funds from borrower withdrawals, reducing loss risk
- In‑house risk scoring that combines on‑chain transaction history with off‑chain financial indicators to generate a comprehensive credit profile
- Flexible loan configuration enabling borrowers to set APR, loan term, and maximum capacity
- Streamlined KYB onboarding and loan detail submission form for rapid loan creation
- Automated loan vault that locks collateral while remaining transparent on the blockchain