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This story was originally published on HackerNoon at: https://hackernoon.com/tradfi-to-bring-$650m-in-private-credit-on-chain-taps-w3io-to-power-capital-workflows.
Trad.Fi is bringing $650M in U.S. equipment finance private credit on-chain over 48 months, with W3.io's programmable treasury infrastructure on Avalanche.
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Trad.Fi announced in June 2026 that it is bringing up to $650 million in private credit on-chain over 48 months, with programmable treasury infrastructure provided by W3.io. Trad.Fi is an equipment finance platform for U.S. small and mid-sized businesses that compresses credit decisions from weeks or months to a single business day using algorithmic underwriting. W3.io is the operating system for autonomous finance, aggregating payments, custody, compliance, settlement, and storage into a single execution layer on programmable rails. W3's Control layer issues a Programmable Credit Record (PCR) for every tokenized loan, an independent on-chain receipt demonstrating proof-of-collateral that lenders can read in real time. The program's workflows and PCRs run on Avalanche, and capital in W3's vault earns yield continuously until a loan is ready to fund. U.S. equipment finance is a $1.3 trillion industry in which 82 percent of end-users finance their equipment acquisitions, yet fintechs account for only 7 percent of financed volume. The Federal Reserve indicates C&I delinquencies run below 2 percent and industry charge-off rates below 1 percent, making equipment finance some of the most predictable credit in the country. The tokenized RWA market grew 266 percent in 2025, and private credit has become the largest non-stablecoin RWA segment at roughly 44 percent of on-chain value.