VALR Launches USDPC Token as Africa’s First Tokenized Private Credit Investment Targeting 8–10% Annual Returns

Generated by AI AgentCoin World
Thursday, Jul 24, 2025 1:58 am ET1min read
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Aime RobotAime Summary

- VALR, Africa's top crypto exchange by volume, launched USDPC—a tokenized private credit product targeting 8–10% annual returns via North American loans.

- The RainFin-issued token offers daily liquidity and fractional access to $6B+ senior secured loans managed by Garrington Capital since 1999.

- By expanding institutional-grade investments to 1.4M retail users and 1,400 corporates, VALR aims to democratize access to low-volatility, diversified returns.

- Backed by $55M from Pantera and Coinbase, the launch reinforces VALR's regulatory compliance and hybrid finance strategy across Africa and Europe.

VALR, Africa’s largest cryptocurrency exchange by trade volume, has launched the Garrington Capital USD Private Credit Token (USDPC), marking a pivotal step in integrating traditional finance with blockchain technology. The token, available to all VALR clients, represents a tokenized stake in Garrington Capital’s private credit strategy, which invests in North American senior secured loans and targets annual returns of 8–10% [1]. As the sole crypto exchange in Africa offering this product, VALR positions itself as a leader in tokenizing real-world assets, expanding institutional-grade investment opportunities to a broader audience.

USDPC is issued by RainFin, a fintech firm specializing in tokenizing debt instruments, and is structured to provide liquidity through daily re-pricing and redemption options ranging from 7 to 30 days [1]. The token’s underlying portfolio includes over 105 asset-backed loans, with 99% classified as first-position senior secured assets, managed by Garrington Capital, which has deployed $6 billion in North America since 1999 [1]. The strategy’s 10-year track record includes a net annualized 3-year return of 10.70% as of June 2025 [1].

VALR’s OTC desk initially targeted institutional clients but now extends access to all users, with plans to integrate

USDPC
into its upcoming VALR Invest platform for streamlined subscription and redemption processes [1]. The move aligns with VALR’s broader mission to democratize financial products, leveraging its global user base of 1.4 million and 1,400 corporate clients [1]. RainFin emphasizes that tokenization “democratizes access” to previously exclusive private credit markets by fractionalizing investments and enabling 24/7 liquidity [1].

Garrington Capital’s Toreigh Stuart highlighted the collaboration’s focus on maintaining investment discipline while leveraging technology to broaden participation [1]. Meanwhile, RainFin’s Sean Emery noted the initiative’s role in bridging traditional and digital asset ecosystems [1]. The product’s liquidity features, including same-day redemption on a best-efforts basis, aim to attract both institutional and retail investors seeking diversified, low-volatility returns [1].

The USDPC launch underscores VALR’s strategic expansion into tokenized real-world assets, reinforcing its regulatory compliance as a licensed Virtual Asset Service Provider in South Africa and Europe [1]. With $55 million in equity funding from backers like Pantera Capital and

Coinbase
Ventures, VALR aims to capitalize on growing demand for hybrid financial instruments in Africa and beyond [1].

[1] https://coinmarketcap.com/community/articles/6881c7bf72496e44b747331a/

Source: [1] [title: VALR Introduces USD Private Credit Token (USDPC), Pioneering Tokenised Real-World Assets in Africa] [url: https://coinmarketcap.com/community/articles/6881c7bf72496e44b747331a/]