Non-Custodial Wallet-to-Wallet Agreement Execution Infrastructure
for the Global Economy
Institution-Grade · Audit-Ready · Fully KYC/AML Compliant
Connects Fiat ↔ Stablecoins ↔ CBDCs ↔ Tokenized RWAs across governments, central banks, financial institutions, enterprises, and individuals.
We are building the first neutral, non-custodial, audit-ready digital credit layer connecting institutions, enterprises, governments, and individuals across the world.
Secure. Transparent. Programmable. No custody. No rehypothecation. No pooling. No balance-sheet risk. No opaque intermediaries.
What is Lendler?
Lendler is a non-custodial digital credit layer that enables governments, banks, enterprises, exchanges, and individuals to lend and borrow digital money directly, wallet-to-wallet, with full transparency, auditability, and regulatory compliance.
Lendler is NOT:
- ✕ A lender
- ✕ A custodian
- ✕ A matching service
- ✕ A DeFi protocol
- ✕ An exchange
- ✕ A payment service provider
Lendler IS:
- ✔ A neutral orderbook-based credit layer
- ✔ Non-custodial (users always control their assets)
- ✔ Fully KYC/AML compliant
- ✔ Audit-ready with complete traceability
- ✔ Works with fiat-backed stablecoins, CBDCs, and tokenized RWAs
The Problem Today
Institutions need stablecoin-based credit, but current solutions impose unacceptable risks.
Banks still require custody
Traditional lending forces institutions to transfer asset control—this introduces counterparty and operational risks no CFO can approve.
Exchanges rehypothecate client funds
Crypto lending on exchanges is pooled, opaque, and risky. No transparency, no audit trail, high systemic exposure.
DeFi lacks KYC and legal certainty
Permissionless lending platforms cannot meet regulated entities' requirements for identification, auditability, or compliance.
Custodial vs Non-Custodial
Why It Matters
| Category | Custodial (Exchange/Bank) | Non-Custodial (Lendler) |
|---|---|---|
| Asset Control | Held by platform | Controlled by user |
| Risk Exposure | High | Minimal |
| Withdrawal | Delayed | Instant |
| Regulatory Risk | Subject to seizure | Protected via self-custody |
| Transparency | Opaque | Full audit trail |
Our Solution
A Non-Custodial Wallet-to-Wallet Agreement Execution Marketplace Designed for Institutions
1. Orderbook-based Non-Custodial Credit Layer
• Lenders publish credit offers with their own terms.
• Borrowers accept existing offers or post their own or the other way around.
• Users define agreement terms; smart contracts enforce conditions.
• Assets remain in user-controlled wallets at all times.
Smart contracts enforce the agreed conditions, but: Assets remain in user wallets · No custody · No pooling · No rehypothecation · No balance-sheet risk
This is not a matching service — it is a programmatic orderbook of bilateral credit agreements.
2. Institutional-Grade Compliance from Day One
- • KYC/AML verification for all participants
- • Entity-level verification for corporates
- • Wallet allowlisting
- • Transaction monitoring
- • Full audit trail (real-time)
Designed for banks, funds, governments, and regulated financial entities.
3. Transparent, Simple Pricing
Borrowers → pay a 1% execution fee (one-time).
Lenders → pay for premium tools & API access.
- • No spreads
- • No hidden fees
- • No complexity
Pricing may vary by jurisdiction.
Vision & Mission
Vision
We are building the world's first neutral, non-custodial, audit-ready digital credit layer connecting: Fiat-backed stablecoins · CBDCs · Tokenized RWAs · Institutional wallets · Government systems · Enterprises · Individuals
Mission
To enable every economic actor—public or private—to access trusted, programmable, transparent credit without custody, rehypothecation, or opaque intermediaries.
A detailed explanation for regulators, institutions, and partners.
Who Lendler Is Built For
Individuals
Graduated KYC tiers
VC Funds
Treasury optimization
Banks
Balance sheet optimization, customer credit rails
Governments
Public finance, treasury automation
Corporates
Working capital
Exchanges
Non-custodial credit for users
Why JPYC First?
Japan offers the world's most advanced stablecoin regulatory framework (Payment Services Act).
✓ Fully reserved stablecoins
✓ Regulated issuance
✓ Clear legal structure
✓ Growing demand for JPY-denominated digital credit
Japan is the ideal launch environment for institutional-grade credit rails.
Design Targets
Platform fee
Target time-to-match
KYC coverage
Custody risk
Audit trail
Why Now?
✓ Stablecoins have matured
✓ Institutional credit infrastructure is fragmented
✓ Transparent, non-custodial rails are missing
✓ Compliance is now mandatory globally
The timing is perfect for a neutral, programmable credit layer.
No Custody · No Matching · No Intermediation · No Payment Services
Lendler is a technology provider offering non-custodial credit execution rails, not a financial service provider.
Join Us
We are seeking early partners and investors to bring institutional stablecoin credit infrastructure to market.
Temporarily unavailable to U.S. Persons (pending regulatory compliance). Proof of Concept phase. Seeking strategic capital and partners.