Upshift

Upshift arranges revolving USDC credit lines for payment companies that must pay out before the matching settlement arrives. According to the company, lines can cover partner prefunding, card settlement liquidity, weekend payouts and payment receivables financing.

How it works - Revolving USDC settlement credit, drawn and repaid through an API; - USDC draws are advertised as available 24/7, including weekends, within the approved limit; - Collateral is usually settlement receivables; some lenders accept Upshift vault shares, agreed per line.

Terms Pricing is quoted individually by volume, collateral and settlement cycle, with no standard APR. Maturity and recall terms are set by each loan agreement. The product page has a public form to request a credit line; no standard facility size is published.

Eligibility Clients are licensed payment firms, acquirers and similar companies. Approval by the lender is required, based on the company or licence, monthly volume, settlement cycle and funding model. The website terms prohibit US residents and US-based users.

Legal entities The terms name Fractal Network, Ltd.; the footer names August One SA in Geneva. Documentation is available in the developer docs.