| title | What Is Sprinter? |
|---|---|
| description | Programmable credit infrastructure for the onchain economy |
Sprinter is programmable credit infrastructure for the onchain economy. We finance the gap between when value is promised and when it settles — and we replace overcollateralisation with guardrails, for risk-managed credit and maximum capital efficiency.
Every payout, redemption and crosschain fill is honoured before the originating funds land, so someone has to fund the delay. Sprinter funds it just in time, and is repaid by the settlement itself.
Apps plug in through a single API and get the full credit stack: flexible terms, adaptive guardrails, and economics powered by DeFi. The end user never touches a protocol — they just get credit that's personalised, adaptive, and affordable. Since November 2025, Sprinter has processed over $400M in credit volume with zero shortfalls.
- Programmable, not overcollateralised — credit policies encode what funds can be used for, at what scale, and under what conditions. Less capital posted for the same line; repayment is enforced, not hoped for. We call the mechanism Closed-System Embedding: a credit account whose egress is constrained, a policy that governs what the funds can do, and a recovery path that unwinds repay-first.
- Fast and secure — self-serve API live in hours, custom policies in days. Non-custodial via MPC, with continuous health monitoring and automated risk execution.
- Productive capital — collateral keeps earning yield while it backs the credit line; liquidity providers earn blended yield from two stacked sources.
- Asset issuers — offer instant redemptions and subscriptions on assets that settle T+1 to T+30, without holding an idle liquidity buffer. Built on Sprinter Liquidity. See Redemption & Subscription Liquidity.
- Crosschain Solvers — access zero-collateral crosschain liquidity to fill intents, repaid from the user's source-chain deposit. Built on Sprinter Liquidity.
- Neobanks & Card Programmes — let users spend against their DeFi holdings without selling, while the program earns yield on held assets. Built on the Sprinter Credit API.
- Wallets & AI agents — credit lines users borrow against their holdings, and autonomous, policy-bound credit for agents. Built on Sprinter Credit.
The full Sprinter API specification is available as an interactive Swagger UI and as a machine-readable OpenAPI spec:
- Swagger UI: api.sprinter.tech/swagger/index.html
- OpenAPI Spec (JSON): api.sprinter.tech/swagger/doc.json
- Base URL:
https://api.sprinter.tech
Questions about Sprinter, the code, the docs, or a partnership? Reach out on Telegram or at hello@sprinter.tech.