Better onchain lending for tokenized assets.

TORQ unifies asset data, facility controls, capital structures and recovery in one governed system, supporting both today’s credit operations and the next generation of AI-assisted workflows.

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Build credit around your mandate.

TORQ vault funding workspace. Sample product illustration.

Put every vault to work.

Fund credit from individual vaults, with debt and cash flows attributed to the capital that backs each loan.

Review credit structure
TORQ vault inventory workspace. Sample product illustration.

Know where losses land.

Keep loan losses with the funding vault, so investors see the exposure they are taking under the configured capital structure.

Review loss allocation
TORQ Senior and Junior capital panels with vault coverage, reserve cash, and junior subordination. Sample product illustration.

Set the capital stack.

Define repayment priority and loss allocation through Senior and Junior investor tranches.

Review capital structure
TORQ interest-rate graph with borrow rates, supply rates and utilization markers. Sample product illustration.

Price credit your way.

Configure borrowing rates with supported interest-rate models and asset-manager parameters built for the mandate.

Review rate models
TORQ cash flow limits. Sample product illustration.

Control cash in motion.

Set borrower draw and withdrawal payout limits per period alongside facility exposure limits.

Review facility controls
TORQ valuation controls. Sample product illustration.

Run valuations with governance.

Assign valuation reporters and approval requirements for every net asset value update.

Review valuation controls
TORQ recovery controls. Sample product illustration.

Resolve with rules in place.

Set recovery pricing at origination, with defined investor veto rights on below-floor sales.

Review recovery terms

Control credit from draw through recovery.

  • Capital structure and recovery rights.

  • Senior and Junior capital
  • TORQ
  • Morpho Blue + Midnight
  • Maple
  • Aave V4
  • Recorded recovery rights after withdrawal
  • TORQ
  • Morpho Blue + Midnight
  • Maple
  • Aave V4
  • Investor veto on below-floor recovery sales
  • TORQ
  • Morpho Blue + Midnight
  • Maple
  • Aave V4
  • Recovery pricing policy locked at origination
  • TORQ
  • Morpho Blue + Midnight
  • Maple
  • Aave V4
  • Investor-funded recovery vehicles for distressed assets
  • TORQ
  • Morpho Blue + Midnight
  • Maple
  • Aave V4

  • Liquidity and operating controls.

  • Withdrawal payout limits per period
  • TORQ
  • Morpho Blue + Midnight
  • Maple
  • Aave V4
  • Borrower draw limits per period
  • TORQ
  • Morpho Blue + Midnight
  • Maple
  • Aave V4
  • Valuation reporting roles and approval quorum
  • TORQ
  • Morpho Blue + Midnight
  • Maple
  • Aave V4
  • Asset managers can deploy custom rate models
  • TORQ
  • Morpho Blue + Midnight
  • Maple
  • Aave V4

Tokenisation represents a transformative innovation to both improve the old and enable the new.

Every credit role. One operating system.

Every participant gets a workspace built for their responsibilities, with access and actions governed by assigned permissions.

Tokenized finance in figures.

$14.82B

Tokenized U.S. Treasuries: distributed value

$8.00B

Tokenized credit: distributed value

2,609

Tokenized credit assets tracked

Build credit into your platform.

Connect vaults, allocations and liquidity to your own interface with TORQ’s TypeScript SDK and documented APIs.

Developer docs
vault.ts
import { TorqClient } from "@torq-finance/sdk";

export async function loadVault(
  publishableKey: string,
  vaultId: string,
) {
  const torq = new TorqClient({ publishableKey });

  const [vault, allocations, liquidity] =
    await Promise.all([
      torq.resources.vaults.retrieve(vaultId),
      torq.resources.vaults.allocations(vaultId),
      torq.resources.vaults.liquidity(vaultId),
    ]);

  return { vault, allocations, liquidity };
}

Connect verification, allocation and agents.

Sumsub

Verify investors with KYC/KYB.Manage access to TORQ vaults.

Investor access

OpenAI

Run agentic allocation withinyour mandate, limits and permissions.

Agent integration

MCP

Connect agents to TORQ throughModel Context Protocol (MCP).

MCP reference

Build conviction before you deploy capital.

Illustration of separate vault-funded credit lines.

How vault-funded lending works.

See how capital moves from a vault into loans, repayments, and loss allocation, with each outcome attributed to the capital that funded it.

Read guide

TORQ pencil illustration of recovery decisions and proceeds.

Credit recovery rights and responsibilities.

Review recovery authority, investor protections and beneficiary records to understand who can act on impaired credit and receive later proceeds.

Read guide

Institutional credit needs better control.

Illustration for Why credit needs operating controls

Why credit needs operating controls.

Review assigned permissions, draw limits, valuation requirements and withdrawal queues to understand which facility actions can proceed under governing terms.

Read article

TORQ pencil illustration of recovery rules set at origination.

Recovery rules at origination.

Review the valuation requirements, recovery authority, sale conditions and investor loss allocation recorded at origination before a borrower draws funds.

Read article

Get into the TORQ documentation.

Review the facility terms, operating controls, and recovery mechanics behind every decision.

Read documentation

Bring credit under control.

Put your next credit mandate into operation with vault funding, governed controls and recovery terms defined from the start.

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