The everchain exchange is modernizing the debt economy by bringing simplicity, transparency, and compliance to the debt sales industry while giving creditors and buyers greater control over how portfolios are sold and serviced.

In 2025, U.S. lenders charged off more than $200 billion in consumer credit, including credit cards, personal loans, auto finance, and other unsecured portfolios. As one of the largest facilitators of compliant debt-sale solutions, the everchain exchange played a significant role in helping creditors responsibly liquidate and resolve this growing segment of the credit ecosystem.

everchain CEO Matthew Wratten said, “The everchain exchange was built to modernize how receivables are sold and managed. For years, creditors and buyers have done the hard work of running debt sales through a mix of systems and manual processes. We designed the everchain exchange to bring those efforts together into a seamless, transparent, and compliant exchange that supports creditors, buyers, and consumers alike.”

The everchain exchange supports everything creditors need to run a debt sale the right way – from preparing portfolios and running competitive auctions to closing, funding, automating due diligence, and maintaining ongoing compliance and post-sale control. It's a zero-cost value-added system compared to traditional approaches.

Traditionally, pricing, compliance, and post-sale monitoring required multiple tools and time-consuming manual work. The everchain exchange consolidates those steps into a single, secure workflow that:

• Helps creditors consistently achieve the best price and maintain full visibility from pre-sale through post-sale outcomes
• Gives buyers standardized data, clear expectations, and ongoing transparency
• Supports consumers by promoting responsible, compliant treatment of accounts after sale

“With the everchain exchange, our partners retain visibility and control while gaining the efficiency and assurance of a purpose-built exchange,” Wratten added. “We’re not replacing the relationships and expertise that already exist. We’re giving them a better way to operate.”

About everchain

The everchain exchange is built for the debt economy, providing creditors with efficiency, visibility, and accountability across the entire pre-sale, sale, and post-sale lifecycle through one unified, purpose-built system. Learn more about the everchain exchange at www.everchain.com.

View source version on businesswire.com: https://www.businesswire.com/news/home/20251216032602/en/

The everchain exchange is built for the debt economy, providing creditors with efficiency, visibility, and accountability across the entire pre-sale, sale, and post-sale lifecycle.