Trad.Fi to bring $650 million in private credit on-chain, taps W3.io to power capital workflows
New York, NY, June 10th, 2026, Chainwire
A new model for U.S. equipment financing brings continuous capital productivity, verifiable on-chain credit records, and rapid deployment to one of America’s largest underdigitized credit markets.
Trad.Fi, the equipment finance platform built for U.S. small and mid-sized businesses, today announced it is bringing up to $650 million in private credit on-chain over the next 48 months, with programmable treasury infrastructure provided by W3, the operating system for autonomous finance. The program targets one of America’s largest and least digitized credit markets: a trillion-dollar annual industry that funds the manufacturing equipment, industrial systems and residential solar installations behind the country’s physical economy.
For the equipment distributor behind a solar installation in Phoenix or the contractor wiring an industrial buildout in Cleveland, financing is the choke point. Suppliers demand payment before goods leave the dock. Customers pay net 30 or net 60 once equipment is installed. Distributors sit in the middle, fronting capital while traditional credit decisions stretch from weeks to months. Trad.Fi compresses that timeline to a single business day, using algorithmic due diligence and underwriting technology to deploy capital faster than legacy processes allow. The Federal Reserve indicates C&I delinquencies are sub-2 percent and industry chargeoff rates are under 1 percent. It is some of the most predictable credit in the country, finally arriving on programmable rails.
“U.S. equipment finance is a fast growing market that still runs on paperwork,” said Alexander Szul, chief executive officer of Trad.Fi. “Small businesses lose deals waiting for financing, and the only way to fix that is to move the capital, the records and the workflow onto programmable rails. That is what Trad.Fi is. This is what private credit looks like when it finally meets the speed of the real economy.”
Powered by W3. Trad.Fi tapped W3 for its programmable treasury infrastructure, an autonomous layer purpose-built for private credit that keeps capital productive at all times. Capital deposited into the program earns yield continuously until a loan is ready to be funded, then deploys to Trad.Fi through workflows built and automated using W3’s Compose engine. Vault-to-Trad.Fi capital flows are managed through W3’s rails, and W3’s Control layer issues a Programmable Capital Record (PCR) for every capital deployment from the treasury to Trad.Fi. Each PCR is an independent, verifiable on-chain audit record that attests to sources and uses, so lenders and investors can read capital movement in real time. The workflows and PCRs run on Avalanche, the public network underpinning the program. The platform is production-grade from day one and built to scale: as the program matures, the share of treasury capital flowing through programmable rails grows with it, advancing toward hundreds of millions in annual round-trip volume.
“Trad.Fi is the kind of company we built W3 for,” said Porter Stowell, chief executive officer of W3. “Modern private credit moves faster than legacy systems can handle. We give Trad.Fi the composability to build and automate treasury capital workflows in days, our independent on-chain records make every capital deployment verifiable in real time, and we keep their idle capital productive at all times. That is what production-grade programmable finance looks like in the real world.”
A real-economy turning point. On-chain real-world assets surpassed $20 billion globally in 2026, with industry projections ranging from $10 trillion to $16 trillion by 2030. Most activity to date has lived in synthetic instruments and institutional crypto borrowing. Trad.Fi’s program is different: it brings real-economy private credit onto programmable infrastructure, providing the speed and transparency of digital rails to the capital behind tangible, brick-and-mortar lending. The $650 million origination plan is one step into a much larger market. Trad.Fi and W3 expect to extend the model into additional credit verticals on the same rails over the next 24 months.
Opening access to the program. Trad.Fi’s existing $650 million credit pipeline will be complemented by an on-chain pool that will provide exposure to the underlying private credit generated by the program. The vehicle will be offered by a seasoned third-party operator that has already been identified and will be announced when the pool launches in the coming weeks. Eligible investors can pre-register interest at trad.fi/access.
About Trad.Fi
Trad.Fi is an equipment finance platform connecting U.S. small and mid-sized businesses with lenders through automated digital infrastructure. By combining direct accounting and bank connectivity, one-page loan applications and on-chain credit tokenization, Trad.Fi compresses the equipment financing process from months to a single business week. The platform serves industrial electrical, AI compute, residential solar and adjacent equipment verticals. Learn more at trad.fi.
About W3.io
W3.io is the operating system for autonomous finance. AI agents are moving money faster than enterprises can follow; W3 gives them control. The platform lets teams build, automate and control agent-powered financial workflows in days rather than months, aggregating payments, custody, compliance, settlement and storage into a single execution layer that runs on programmable rails. W3 is in production with enterprise clients across multiple verticals, processing millions of on-chain workflows in 2026. Learn more at w3.io.
This press release is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities, investment products or interests in any participation vehicle. Future on-chain participation vehicles referenced in this release will be managed by a third-party operator to be announced and will be subject to platform-specific eligibility criteria, including potential geographic restrictions. They will be offered only in compliance with applicable law. Target origination volumes, yields and returns referenced in this release are forward-looking, indicative only, and not guaranteed. Past performance is not indicative of future results. Digital asset strategies involve material risk, including the potential loss of capital.