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 park capital in prefunded accounts across every market they serve. Line replaces prefunding with on-demand credit lines, enabling instant settlement without idle capital.
$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 — 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 funds clear days later. Repay the draw plus a small premium, and the line resets.
Where the credit comes from
Capital providers stake digital assets into Line Protocol, unlocking borrowing power in DeFi lending markets (e.g; Aave, Morpho). Line converts that borrowing power into on-demand credit lines for payment institutions.
Build the future of payments with us
We're onboarding our first design partners. A small group of payment institutions will shape Line alongside us as we build for real-world settlement.
- A pilot line sized to your flows, on the corridor where prefunding hurts most
- Direct input on credit terms, integration, and roadmap
- Preferred terms when we launch publicly