Clearstone is the permissioning layer for institutional DeFi. We turn battle-tested lending protocols like Morpho, Euler and Kamino into KYC-gated, non-custodial markets that meet AML, FINMA and MiCA requirements. Winner of StableHacks ($100k + pilot with AMINA Bank), hosted by Tenity, the Swiss fintech VC backed by SIX and UBS, and now shipping on Robinhood Chain.
Clearstone is building the permissioning layer for institutional DeFi.
European financial institutions cannot access permissionless DeFi because existing AML, FINMA, and MiCA requirements are incompatible with anonymous liquidity pools. As a result, billions in institutional demand for onchain lending and borrowing remain locked out of battle-tested DeFi infrastructure.
Clearstone solves this by turning existing DeFi lending protocols such as Morpho, Kamino, Euler, and others into permissioned, institution-ready markets. Rather than building a new lending protocol, we add a shared compliance layer that enables regulated institutions to deploy KYC-gated markets on the infrastructure they already trust.
Clearstone is non-custodial and protocol- as well as chain-agnostic. Institutions retain custody of assets and responsibility for client KYC/AML, while Clearstone provides wallet permissioning, institutional attestations, source-of-funds verification, configurable privacy, monitoring, and auditable market access. This allows liquidity to be pooled onchain while ensuring every participant, wallet, deposit, and pool position remains attributable to a responsible institution or verified participant.
By standardizing compliance across institutions, Clearstone creates a portable identity layer: participants verified by one trusted institution can seamlessly access other permissioned markets that accept the same compliance standard. This reduces onboarding friction, increases liquidity, and creates powerful network effects as more institutions join the ecosystem.
Our long-term vision is a federated network of institutional onchain markets where banks, brokers, CASPs, and asset managers can deploy sovereign markets, accept trusted counterparties, and interoperate through a common compliance standard.
Clearstone won StableHacks out of over 120 startup submissions, an institutional online hackathon program by Tenity, the Swiss fintech VC backed by SIX and UBS, with the main prize of almost $100,000 and a pilot with Swiss crypto-native bank AMINA.
We are currently shipping our first implementation on Robinhood Chain during Founder House with a compliant privacy layer.
During the Founder House we ported our Solana implementation to Robinhood Chain, making Clearstone live on EVM for the first time and proving our chain-agnostic architecture in practice. We also shipped configurable privacy, letting institutions control what market activity is disclosed onchain while keeping every participant attributable and auditable.
Pre-seed: Pilot + prize funding 50k cash + in-kind (audit credits, etc.)
