> ## Documentation Index
> Fetch the complete documentation index at: https://docs.sprinter.tech/llms.txt
> Use this file to discover all available pages before exploring further.

# Sprinter Credit

## Overview

Sprinter Credit is a programmable credit layer for individuals and agents. We don't just issue credit — we make credit *configurable*.

The first version of Sprinter Credit (V1) provided zero-collateral credit for crosschain solvers and processed over \$200m USD in volume within the first months. With V2 we take credit beyond solvers and bring the benefits of *programmable credit* to neo finance and the agentic age.

On a high-level, Sprinter Credit (V2) consists of the following components:

1. **[Credit Engine](/sprinter-credit/credit-engine)**
   The core credit issuance and management system. Handles credit line creation, drawdowns, repayments, and liquidations across supported networks.
2. **[Supported Assets & Strategies](/sprinter-credit/supported-assets)**
   Collateral assets, earn vaults, LTV parameters, and chain support — all in one reference.
3. **[Policy Engine](/sprinter-credit/policy-engine)**
   Credit policies and [Credit Operators](/sprinter-credit/policy-engine#credit-operators) enable Sprinter Credit to 1) provide favorable credit conditions and 2) enable users and applications to delegate and constrain usage of credit — from card programs drawing on behalf of users to agents operating within on-chain guardrails.
4. **Liquidity Layer**
   The Sprinter Credit Liquidity Layer provides the liquidity required for the credit engine. The Sprinter Credit Liquidity Hub & App allow Liquidity Providers to earn yield by providing capital.

Sprinter Credit enables applications to get purpose-fit credit lines for their users:

* Card Programmes fund card spend just-in-time, so users don't have to hold assets idle
* Neobanks provide a DeFi-powered liquid savings account, so users can spend their assets while having them earn yield in DeFi
* Wallets let users borrow USDC against their holdings — pay, transfer, or swap without selling
* Agents access a human-delegated undercollateralized credit line to trade extended leverage on Hyperliquid

The moment drawn USDC arrives at its destination, real-world actions are enabled: a card swipe settles, a merchant gets paid, an agent executes a trade. The credit draw is just the trigger; the value is in what it enables. Every Sprinter draw sends USDC to a `receiver` address specified by the integrator, and the receiver is what defines the use case. See [From Credit to Action](/sprinter-credit/credit-engine#from-credit-to-action) for the full picture.

## API Overview

<CardGroup cols={3}>
  <Card title="Sprinter Credit (V2) API" icon="bolt" href="/api-reference/sprinter/credit/get-credit-protocol-configuration">
    Full API reference with interactive playground.
  </Card>
</CardGroup>

### Base URL

```
https://api.sprinter.tech
```

No authentication is required. All endpoints are open.

### Supported Chains

The Sprinter API uses **CAIP-2** identifiers for chain references. CAIP-2 (Chain Agnostic Improvement Proposal 2) is a standard format for identifying blockchains: `namespace:chainId` — for EVM chains this is `eip155:<chainId>`.

You'll see CAIP-2 identifiers in API responses (e.g. the `chain` field in contract calls) and as path/query parameters in several endpoints.

#### Card Spend (Overcollateralized Credit)

| Chain    | CAIP-2 Identifier | Chain ID | Role                |
| -------- | ----------------- | -------- | ------------------- |
| Base     | `eip155:8453`     | 8453     | Credit + Collateral |
| Ethereum | `eip155:1`        | 1        | Collateral          |

#### Crosschain Intents (Zero-Collateral Credit)

| Chain    | CAIP-2 Identifier | Chain ID |
| -------- | ----------------- | -------- |
| Base     | `eip155:8453`     | 8453     |
| Ethereum | `eip155:1`        | 1        |
| Arbitrum | `eip155:42161`    | 42161    |
| Optimism | `eip155:10`       | 10       |
| Unichain | `eip155:130`      | 130      |

<Tip>
  You can always fetch the current list of supported chains and their collateral configurations from the [`GET /credit/protocol`](/api-reference/sprinter/credit/get-credit-protocol-configuration) endpoint.
</Tip>