Africa’s leading cryptocurrency exchange, VALR, has made headlines once again, this time by pioneering a major financial innovation on the continent. On July 23, 2025, VALR officially launched the Garrington Capital USD Private Credit Token (USDPC), becoming the first African exchange to list a tokenized private credit asset.
This groundbreaking move introduces real-world asset (RWA) tokenization to African retail and institutional crypto investors, bridging the divide between traditional finance and the digital asset economy.
What Is USDPC?
USDPC is a yield-generating crypto token backed by the Garrington Private Credit Strategy, managed by Canada-based Garrington Capital. The strategy focuses on capital allocation in senior secured and asset-backed private loans across North America, an investment strategy with a historical annual return of 8–10%.
Previously restricted to institutional investors, USDPC is now available to all VALR users through the exchange’s Over-the-Counter (OTC) desk. VALR plans to expand access further with the upcoming launch of VALR Invest, a dedicated platform for real-world asset tokenization and investment products.
Key Highlights of the USDPC Token:
- Access for All: Both retail and institutional investors can now buy USDPC via VALR.
- Attractive Returns: Garrington Capital’s credit strategy has delivered a 10.70% net annualized return over the past 3 years (as of June 2025).
- Diversified & Secured: The credit portfolio includes 105+ asset-backed transactions, with 99% being senior secured loans across five lending sectors.
- Improved Liquidity: Investors benefit from daily repricing, 7–30 day redemptions, and same-day execution (on a best-effort basis).
- FX Risk Mitigation: USDPC offers a dollar-denominated investment option, reducing exposure to volatile local currencies, a key benefit for African markets.
VALR Leads Africa’s Real-World Asset Tokenization Revolution
“We are thrilled to bring USDPC to our clients, bridging the gap between traditional finance and the crypto ecosystem,” said Farzam Ehsani, Co-Founder and CEO of VALR.
“This product underscores VALR’s commitment to offering inclusive, innovative investment solutions that empower people around the world.”
By listing USDPC, VALR is setting a new standard in digital finance across Africa, providing users with access to previously exclusive, institutional-grade investment vehicles.
Powerhouse Partnerships Behind USDPC
The launch of USDPC is a collaborative effort between VALR, RainFin, Garrington Capital, and CAEP Partners:
- Garrington Capital: With over $6 billion in deployments since 1999, Garrington brings deep expertise in private credit strategies.
- RainFin: A licensed African fintech pioneer in tokenized investment infrastructure, RainFin structured USDPC to ensure compliance, liquidity, and fractionalized access.
- Sean Emery, CEO of RainFin, noted:
“We’re not just bridging the gap between traditional finance and digital assets, we’re opening doors for investors across Africa and beyond to participate in high-quality, yield-bearing opportunities that were previously out of reach.”
What’s Next? VALR Invest on the Horizon
USDPC is just the first of many real-world asset products VALR intends to roll out. Later this year, the exchange plans to launch VALR Invest, a platform designed for seamless subscription, redemption, and management of tokenized investment products.
This strategic move reinforces VALR’s leadership in the African crypto market and its growing influence globally as a bridge between Web3 and traditional finance.
VALR’s listing of USDPC marks a new era of financial inclusion and innovation in Africa. By unlocking access to tokenized private credit, VALR is empowering users across the continent with tools for wealth preservation, passive income, and FX resilience, all while paving the way for broader adoption of real-world asset tokenization in crypto.
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Read also: The Rise of African Crypto Exchanges: How VALR Is Leading the Charge
