Unlock your
liquidity.
Without selling
your assets.
The first AI-powered, self-repaying credit line on the XRPL. Lock your XRP or real-world assets as collateral — our arbitrage engine handles the rest.
Outstanding Balance
Arbitrage Repayments
Mechanism
Three steps.
Zero compromise.
Engineered for precision. Designed for institutions that expect clarity without complexity.
Deposit Assets
Lock XRP, tokenized real-world assets, or institutional-grade stablecoins into your non-custodial Kynara vault on the XRPL. You retain ownership — always.
Supports XRP · RLUSD · Tokenized T-Bills · RWAs
Receive Liquidity
Instantly draw a credit line worth up to 35% of your collateral value. Funds arrive in fiat-pegged stablecoins — no credit checks, no KYC delays beyond initial onboarding.
LTV up to 35% · No credit check · Same-day settlement
AI Pays Down Debt
Our proprietary arbitrage engine runs on-chain, continuously identifying high-frequency opportunities across XRPL liquidity pools. Returns are automatically routed to reduce your outstanding balance.
Avg 8–12% annual repayment rate · Fully auditable on-chain
Infrastructure
Institutional-grade.
From the ground up.
View technical docsNon-Custodial Vaults
Your collateral lives in cryptographically secured smart escrows on the XRPL. Kynara cannot access, move, or hypothecate your assets under any circumstances.
Sub-Second Settlement
The XRP Ledger finalizes transactions in 3–5 seconds at near-zero cost. Arbitrage profits are swept to debt repayment in real time — no batch delays.
RWA Tokenization Layer
Deposit tokenized treasuries, real estate tokens, or private credit instruments. Our oracle network prices them fairly and in real time for LTV calculations.
Institutional Risk Engine
Automated margin monitoring with multi-tier liquidation buffers. Receive notifications at 65% LTV — liquidation only triggers at 80%, giving you time to act.
AI Arbitrage Engine
Proprietary algorithms scan XRPL AMM pools, DEX order books, and cross-chain bridges for mispricing. All strategies are fully auditable on-chain.
Institutional Compliance
Built-in AML/KYC, transaction monitoring, and configurable whitelists. Designed to meet the requirements of family offices, regulated funds, and HNWI clients.
Performance
Numbers that
speak for themselves.
“Kynara replaced a €2M line of credit from our private banker. Same liquidity, no interest schedule, no personal guarantee. Remarkable.”
Managing Partner
European Single-Family Office
“The concept of a self-repaying loan sounds like fiction. After 8 months, our debt is down 6.3%. It just works.”
Chief Investment Officer
UHNW Multi-Asset Fund
“We were skeptical about XRPL for institutional use. The settlement finality and negligible fees converted us. This is the future.”
Head of Digital Assets
Tier-1 Private Bank
Get started
Ready to put your
capital to work?
Join 400+ institutional clients unlocking liquidity without liquidating positions. Onboarding takes under 15 minutes.
Minimum account: $250,000 USD equivalent