Credit starts with a connection
TORQ is building onchain credit infrastructure for digital and tokenized assets, bringing capital providers, asset managers, borrowers, and issuers together.
Why we are building TORQ.
Moving assets onchain is only part of the work. Credit also needs clear terms, connected participants, and responsibilities that hold through changing circumstances.
We are building TORQ to bring those elements together, so institutions can design credit around how the underlying asset works.
The markets we are building for.
$14.82B
Tokenized U.S. Treasuries: distributed value
$8.00B
Tokenized credit: distributed value
2,609
Tokenized credit assets tracked
RWA.xyz snapshot, 04 OCT 2026. Dollar figures show distributed value. The credit asset count includes represented assets. Industry market data.
Our mission.
Connect the people and infrastructure needed to build and operate credit for digital and tokenized assets, with clear terms and responsibilities.
Our vision.
Make credit programmable, operable, and accountable across digital financial markets, from the first allocation of capital through repayment and recovery.
Our principles.
Start with the asset.
Understand the asset’s rights, valuation requirements, and financing needs before defining credit.
Make responsibilities clear.
Make each participant’s responsibilities and permitted decisions clear throughout the mandate.
Build for the full lifecycle.
Keep capital, repayments, investor exits, and recovery connected under the governing terms.
Our thinking.
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
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