Instant liquidity for cross‑border payments
Line gives payment institutions an on-demand credit line to settle cross-border payments the instant they're initiated
To offer instant cross-border payouts, payment institutions must pre-fund accounts across every market they serve. Line replaces this trapped capital with on-demand credit, drawn the moment a payout is due and secured by in-transit receivables.
$4T
is the amount sitting idle in pre-funded accounts across the payments industry. Every dollar of it is working capital that could be doing something else.
Credit that moves at the speed of light
Draw when the payout is due, repay when your money arrives.
01. Draw
A payout is due. Draw against your line the moment you need it, at a rate fixed when you draw. No prefunded balance waiting in the destination market.
02. Settle
Pay out locally, in real time. Your customer sees an instant payment, in any corridor you run.
03. Repay
Your incoming payment clears days later and repays the draw. Each draw is backed by that receivable, so it settles itself as your money lands.
Where the credit comes from
Capital providers deposit dollar stablecoins into Line's vault, built on Morpho's audited lending infrastructure. Their capital earns onchain money-market yield until the instant a draw consumes it. Nothing sits idle on either side, which is what lets us price short-dated credit competitively.
Build the future of payments with us
We're onboarding our first design partners. A small group of licensed payment institutions will shape Line alongside us as we build for real-world settlement.
- 01A pilot line sized to your flows, on the corridor where prefunding hurts most
- 02Direct input on credit terms, integration, and roadmap
- 03Preferred terms when we launch publicly