Credit Coop, a startup building credit infrastructure for the stablecoin economy, has closed a $4.5 million seed funding round. The round was led by Maven11 Capital and FactionVC, with participation from Coinbase Ventures, Signature VC, Veris Ventures, TRGC, and DLab.

The company addresses the challenge faced by payment companies that accept stablecoins but experience settlement delays, despite customer expectations for instant transactions. Credit Coop's technology provides lenders with programmatic control over cash flows to eliminate counterparty risk.

To date, the company has processed over $180 million in total volume and currently manages $8.7 million in active loans with a record of zero defaults. Its partners include payment firms like Rain and Coinflow, as well as capital partners such as Tulipa Capital and Re7 Capital.

This funding signals a move to scale its existing operations. Credit Coop aims to expand beyond payments to make any business cash flow programmable, positioning itself as a foundational layer for the future of credit in the digital asset space.