Credit markets and investment products
Infrastructure for onchain private credit
The market opportunity
Fairway opens underserved private credit markets to onchain capital, combining lender financing with visibility into underwriting and performance down to each loan.
Borrowing against crypto is only a fraction of what blockchain lending can do. Fairway connects real credit markets with onchain capital, making underwriting and credit performance transparent, down to each loan.
Connect onchain capital to private credit
Fairway gives investors the infrastructure to discover, assess and fund credit opportunities. Lending partners originate, underwrite and service the loans. Each opportunity links to its terms, supporting evidence and repayment records.
Build credit portfolios with loan-level visibility
Compare lending partners, assess repayment histories and monitor exposure across countries, sectors and individual loans. Fairway's initial focus is SME credit originated by fintech and microfinance partners.
Product layer
Fairway products and partners.
Identity, credit intelligence, liquidity partners, market access, and tokenization work together as one capital flow.
Aurora supplies open standards, discovery and verification. Loan origination, servicing and financing remain with the participating lending institutions and capital providers. Portfolio applications, credit vaults and structured products are part of Fairway's roadmap.
The roadmap
From credit markets to investment products
Credit-market infrastructure
Establish credit metadata, verification, discovery and lending-partner integrations. Initial use cases focus on real-world lending with loan-level funding and repayment records.
Portfolio tools and capital access
Expand the origination network and develop reporting for due diligence, portfolio construction and capital-provider mandates across lenders, sectors and jurisdictions.
Credit vaults and structured products
Develop curated credit vaults and structured investment products, with defined allocation rules, investor eligibility and reporting on the underlying credit portfolios.
Aurora uses Cardano's UTxO architecture as the foundation for individual loan records and open credit-market infrastructure.
The ecosystem
Connecting lenders, asset managers and onchain capital
Fairway works with lending partners, capital-provider networks and technology teams to develop credit-market infrastructure and the integrations needed for future investment products.
Leadership
Built by operators, advisors, and infrastructure specialists.
Fairway combines experience in credit-market design, digital identity, blockchain infrastructure and product delivery, supported by advisors in finance, compliance and ecosystem development.
Co-Founder & CEO
Henrik Metsämäki
Building in crypto since 2017, Henrik combines a background in engineering and business with five years spent developing Fairway's vision across multiple iterations. His work focuses on Cardano, eUTXO market design, digital identity, and how blockchain architecture can enable new forms of real-world financial infrastructure. Henrik has represented Fairway through 2 accelerator programs, ecosystem programs, and startup competitions while leading product and strategy.
Co-Founder & COO
Heikki Ruhanen
Operator and technology generalist with experience spanning software development, AI systems, business operations, and project execution. Heikki specializes in turning complex technical initiatives into delivered products, leading partnerships, coordinating teams, and driving execution across Fairway's infrastructure and market development efforts.
Co-Founder & CTO
Ermias Bunaro
Full-stack engineer, designer, and technology architect with 10+ years of experience building digital products across startups and emerging-market ecosystems. Born in Ethiopia, Ermias combines deep expertise in digital identity, SSI, ZK systems, cloud infrastructure, and UX design with firsthand understanding of local financial markets and user needs. At Fairway, he leads the architecture behind trust, identity, and programmable credit infrastructure, helping bridge global digital capital with real-world financial applications.
Advisory Board
Advisors in finance, compliance and blockchain infrastructure
Advisor
Anthony Day
Blockchain leader and Web3 strategist. LinkedIn Top Voice helping enterprise and startup teams harness decentralised technologies for commercially viable transformation.
LinkedIn
Advisor
Sheldon Hunt
Cardano ecosystem leader at EMURGO. Regulatory strategist with deep expertise in AML, institutional blockchain adoption, and cross-border compliance frameworks.
LinkedIn
Advisor
James Meidinger
Business development lead for USDM, Cardano's premier regulated stablecoin. 25+ years building and scaling businesses at the intersection of blockchain and institutional finance.
LinkedIn
Advisor
Rusty Shapiro Fallen Icarus
Architect of the DeFi Kernel and peer-to-peer credit-market infrastructure on Cardano. Advises Fairway on UTxO-based lending, credit histories and market design.
Insights
Ideas shaping the future of markets.
Work with Fairway
Build your next onchain credit strategy
Talk to Fairway about bringing loan portfolios onchain, sourcing credit opportunities or developing future credit investment products.