The Opportunities
Money movement is being rebuilt. Stablecoins already make global transfers faster and cheaper than the systems that came before them, settling in minutes instead of days and reaching markets that legacy rails leave behind. Yet they still power only a small fraction of the world's transactions. The technology is proven; the infrastructure around it has not caught up.
The gap is trust. Businesses and institutions need stablecoins they can rely on: backed by real reserves, transparent on-chain, compliant with regulation, and interoperable across the systems they already use. Too much of today's landscape is opaque, siloed, or built for speculation rather than for moving money at scale. For stablecoins to carry the volume they are capable of, they need a foundation the whole ecosystem can trust.
The Answers
Blockchain capital stability demands a foundation rooted in tangible assets, not mere speculation. By utilizing blockchain's transparent ledger, tokenization enables faster, more transparent trading of real-world assets, reducing overhead compared to traditional markets.
Opening renewable energy funding to new capital markets through the blockchain, can help meet consumer demand, and drive domestic solar energy production to the levels seen across Europe and China. This relieves energy grids, empowers consumers, and reduces the dependence on foreign energy and fossil fuels.
The Stablecoins
LenderLab issues stablecoins built for financial activity at scale, from payments and transfers to trading and settlement. Each carries its own name and purpose, built for a specific use rather than forced into a single one-size-fits-all token.
Our stablecoins are transparent: every transaction is recorded and verifiable on-chain. They are interoperable, built on public blockchain infrastructure so they work across the broader ecosystem instead of locking participants into a private chain. And they are reserve-backed, maintained at established financial institutions in compliance with US regulatory requirements.
Transactions settle transparently on-chain, are automatically recorded, and are designed to move without the friction of legacy off-chain processes.
Compliance is built in, not bolted on. Know-your-customer (KYC) and anti-money-laundering (AML) controls operate at the infrastructure level, so that participation meets regulatory requirements from the start and transactions remain transparent and auditable.
The Token
LenderLab has closed the gap between the blockchain, real world assets, and renewable energy through the creation of a new class of token.
Our tokens are digitized debt notes backed by collateralized renewable energy loans. Each loan has funded a solar energy project (is therefore ESG compliant), and is secured by a UCC fixture filing (lien) on the property.
Purchasing a token entitles the holder to all of the returns associated with the borrower's loan obligation. Payments are received by a loan processor and are distributed via a stable coin to a registered wallet on the blockchain. This provides swift, transparent, payments directly to the token holder without needing to transfer funds via slower, less transparent, off-chain processes.
We've built our new token technology on the public blockchain, instead of a private "walled-garden" chain, so it is compatible with the greater Ethereum ecosystem. This greatly increases token liquidity and flexibility. We don't lock you in.
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Our unique tokens also incorporate know your customer (KYC) and anti money-laundering (AML) controls on-chain to ensure that all debt transfers meet regulatory requirements. Purchases and payments are transparent, and automatically recorded: facilitating your reporting and auditing processes.
The Foundation
A stablecoin is only as trustworthy as what stands behind it. Our stablecoins are backed by high-quality reserves held at established financial institutions, managed in compliance with US regulatory requirements, and structured for transparency rather than opacity.
That foundation matters because trust at scale cannot rest on a single company's word. Reserve management by regulated custodians and on-chain records that anyone can verify are what allow a stablecoin to serve as dependable infrastructure; the kind institutions and everyday users can rely on to move money.
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The Future
We believe the future of money is transparent and reliable. Value should move as freely as information does: across borders, around the clock, without gatekeepers taking a toll at every step.
Stablecoin infrastructure built on transparency and trust is a direct path toward that future: money movement recorded on-chain, backed by real reserves, and built to serve the many businesses and people who depend on it.
The Mission
Build stablecoins that are transparent by design; recorded on-chain and verifiable by anyone.
Back every stablecoin with high-quality reserves at established, regulated institutions.
Bring the transparency, speed, and reach of stablecoins to financial activity of every scale.
Issue purpose-built stablecoins for the many ways the world moves money.
The Team
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Kevin D. Bench
Former Chevron executive with 32 years of experience in marketing, business management, sales, and operations.
Kirk Hoganson
Kirk has an extensive knowledge of blockchain technology. His personal interest in blockchain technology began in 2011 when he bought his first Bitcoin. He has been providing technical solutions, security consulting, and systems architecture for large and small banking organizations for decades.
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Jack Eldridge
Jack co-founded Enium in 2013 and has overseen financial activity and strategy since inception. He has 35 years of experience in accounting and financial leadership focused on sustainability and long-term growth.
The Benefits
Transparency
Transactions are recorded and verifiable on-chain.
RESERVE-BACKED
Backed by high-quality reserves at established financial institutions.
Speed of Transactions
Transactions typically settle within minutes.
Security
Encryption protects transactions and data is stored securely.
Built For Scale
Infrastructure designed to handle billions of transactions.
Regulated Reserves
Reserves maintained in compliance with US regulatory requirements.
Reach
Move money across borders and into markets legacy rails leave behind.
ComplianCE Built In
KYC and AML controls at the infrastructure level.
Purpose Built
Multiple stablecoins, each built for a specific use.
Compatibility
Compatible with the broader blockchain ecosystem.
Stable
Stablecoins don't fluctuate in value.
Public
Built on public blockchain infrastructure, not a private walled garden.
24/7 Settlement
Money moves any time, day or night.
Transparency
Token transactions are all visible.
Ease of Reporting
Unlike strictly digital assets, we have clawback controls that prevent loss of assets.
Speed of Transactions
Token transactions typically settle within minutes.
Access
Lending opportunities previously limited to banks.
Stability
Backing by real world assets creates stable value.
Fixed Income Returns
Loan payments are a regular source of predictable returns.
Few Loan Defaults
Our partners loan programs have a history of less than 1% defaults.
ESG Compliant
Our tokens represent renewable energy projects.
Liquidity
Access to public blockchain capital improves liquidity.
SECURITY
Unlike strictly digital assets, we have clawback controls that prevent loss of assets.
Regulatory Compliance
Our tokens integrate KYC and AML compliance on-chain.
Flexibility
Our tokens are EVM compatible.
24/7 Settlement
Token transactions can be settled at any time, day or night.
Contact Us
Frequently Asked Questions
LenderLab is a stablecoin company issuing transparent, reserve-backed stablecoins for global financial activity.
A stablecoin is a digital token designed to maintain a consistent value by being backed by reserves. It lets value move on public blockchain rails with the speed and transparency of digital assets.
Our stablecoins are transparent and verifiable on-chain, backed by reserves at established financial institutions, and interoperable across public blockchain infrastructure, and we issue multiple stablecoins, each built for a specific purpose.
Security and compliance are designed into the infrastructure. Transactions are recorded transparently on-chain, and KYC and AML controls are built in at the infrastructure level so participation meets regulatory requirements.
For any business that moves money: financial institutions, payment providers, fintechs, exchanges, platforms, as well as the people they serve.