From Real-World Receivables to Real Yield
DeFa bridges stablecoin liquidity with real-world economic activity through a unified, transparent process. Two receivable types. One protocol.
On-Chain
Liquidity as
a Service (LaaS) Infrastructure
Turning receivables into
high-velocity & secured yield.
Rising Star Winner
Introducing DeFa
Backers and Investors
The Vertically Integrated Liquidity as a Service
Embedded Asset Origination: The Pipeline
Sourcing trade and settlement flows directly at the point of transaction.
Learn moreUnderwriting & Insurance: The Security
Institutional-grade underwriting backed by insurance to eliminate risk blind spots.
Learn moreExecute & Settle: The Yield
Frictionless liquidity routing & automated settlement for seamless capital cycles.
Learn moreClosed-loop infrastructure from point-of-transaction to predictable, compounding yield.
AI and blockchain powered verification engine. Validates the underlying economic activity: invoices, settlements, corridors, counterparties, fund utilization. Ensures each receivable is real, reliable & ready to finance.
LAYER 1
Origination
LAYER 2
Securitization
LAYER 3
Execution
Agentic AI Powered Operations Core
AMIGO
Intelligent onboarding agent, seamlessly integrating with businesses and payment operators to capture and structure transaction flows directly at the source.
CARA
Automated capital allocation agent, co-piloting allocators with advanced analytics and advisory to optimize secured, high-velocity yield.
DROOG
Efficient backend operations agent, orchestrating risk, compliance, and seamless liquidity processing.
Resilient, Uncorrelated Yield Streams
Primary Growth Engine
LIFT
PayFi Yield from
Payment Settlements
Ultra-short-term yield by providing cross-border payment operators with the pre-funding liquidity required for instant settlements
Card Stats
Tenure: 7-30 Days
APY: 8-10%*
Explore PayFiProven Revenue Engine
STREAM
TradFi Yield from
Business Financing
Short-to-mid-term yield by providing businesses with the asset-backed private credit required to activate cash flow from verified receivables.
Card Stats
Tenure: 30-90 Days
APY: 14-18%
Explore TradeFiSame infrastructure. Different receivables.
Yield Calculator
Preview your receivables-backed returns
LIFT
LIFT
7 - 30 Day Cycle
8 - 10% APY*
Trade Finance
STREAM
STREAM
30 - 90 Day Cycle
14 - 18% APY*
Growth Capital
$3,698.63
$103,698.63
Returns are generated from verified receivables, including payment settlements and trade
invoices, issued by operating businesses and paid on a fixed schedule.
Capital That Works in the Real Economy
DeFa connects stablecoin liquidity to verified economic activity across payments and trade finance. Every dollar deployed is backed by a real settlement obligation or a verified trade receivable. Our AI agent CARA guides you through every opportunity, and KYR ( Know Your Receivable ) verifies every receivable before capital flows. No speculative lending. No empty APY promises. Real yield from real economic activity.
Capital That Works in the Real Economy
DeFa connects stablecoin liquidity to verified economic activity across payments and trade finance. Every dollar deployed is backed by a real settlement obligation or a verified trade receivable. Our AI agent CARA guides you through every opportunity, and KYR (Know Your Receivable) verifies every receivable before capital flows. No speculative lending. No empty APY promises. Real yield from real economic activity.
$3.6T+
Global Invoice Factoring Market
TradFi
$190T+
Annual Cross-Border Payment Volume
PayFi
Three Layers of Confidence
Verify. Analyze. Protect.
Trust begins with every receivable
Every deal starts with proof. Our KYR engine verifies each receivable, whether a trade invoice or a settlement transaction, across 30+ authenticity and credit parameters, assigning a real-time risk score. You invest only in verified economic activity.
Learn MoreIntelligence that works for you
CARA learns your risk appetite and guides you toward the right opportunities across both PayFi and trade finance. Analyzing performance, generating reports, and simplifying every step. Your AI copilot for smarter investing.
Embedding Where it Matters
Two embedded layers, one protocol. Payment providers and remittance companies tap into instant prefunding, no more locking up capital in nostro accounts. SMEs access financing backed by their own invoices, right from their existing workflow. Just liquidity, exactly where the business needs it.
Trust Begins With Every Invoice
Every deal starts with proof. Our KYR engine verifies each receivable, whether a trade invoice or a settlement transaction, across 30+ authenticity and credit parameters, assigning a real-time risk score. You invest only in verified economic activity.
Intelligence That Works
for You
CARA learns your risk appetite and guides you toward the right opportunities, analyzing performance, generating reports, and simplifying every step. Your personal AI co-pilot for smarter, effortless investing.
Embedding Where it Matters
Two embedded layers, one protocol. Payment providers and remittance companies tap into instant prefunding, no more locking up capital in nostro accounts. SMEs access financing backed by their own invoices, right from their existing workflow. Just liquidity, exactly where the business needs it.
PayFi Borrowers
PSPs, RSPs, and OTC desks access settlement liquidity for cross-border corridors. Capital cycles in 1 -14 days.
PSPs | RSPs | OTC Desks
Trade Finance Borrowers
Real-world businesses with verified invoices and strong credit history access short-term working capital.
Business Model
Tokenization & Risk Analysis
Through CredMate and PayMate, each receivable is authenticated, risk-scored, and verified by KYR ( Know Your Receivable ), ensuring only legitimate economic activity, whether invoices or settlements, enters the DeFa ecosystem.
DeFa Protocol
Invoices are bundled into curated pools, Stream, Lift, and Surge, offering diversified yield opportunities aligned with investor preferences.
PayMate
CredMate
InvestMate
Liquidity Provider
Investors deposit USDC and receive DLP tokens, earning stable, insured returns while DeFa manages lending and repayment seamlessly.
USDC
DLP
Business Model
4% Net Interest Margin
Borrower pays X%
DeFa retains 4%
Investor receives Y%
USDC
DLP
Distribution (Coming Soon)
Optimized yield strategies via partners like Morpho, Pendle, and Curve will enable further compounding and re-staking opportunities.
Our Product Suite
Risk-adjusted yield products across PayFi and TradFi
STREAM
Coming Soon
Earn up to 12% yields through payment, short-term invoice, and remittance settlements. With just a 30-day lockup, enjoy stable, predictable returns at the end of each cycle.
Learn More
LIFT
Earn yields through invoice financing while also safeguarding your investments from defaults through credit insurance. Lock up your capital for 90 days and earn yields up to 16% at the end of each cycle.
Learn More
SURGE
Delivering our highest yields, up to 20% from revenue-based financing and short-term SME loans. It runs on a 180-day period with 30-day payout cycles, so the yield payout lands monthly while your capital stays committed for the full term.
Learn MorePayMate
PayFi
Short-duration yield generated through real-world payment settlement activity. Capital is deployed to support payment operators managing cross-border and remittance flows, with returns tied to completed transaction cycles. 10 - 12% APY* with a 1 - 14 day cycle. Capital recycles 4-8x per month.
CredMate
Trade Finance
Exposure to credit-insured SME working capital demand across MENA. Your capital finances verified trade receivables, enabling businesses to fulfill orders, with 90% capital protection built into the structure. 14 - 16% APY with 30 - 90 Days Cycle
InvestMate
Growth Capital
A blended strategy combining payment settlement yield and SME credit exposure for investors seeking maximum risk-adjusted return. Broader asset coverage across invoice financing, revenue-based financing, and working capital. 18 - 20% APY
PayFi: Settlement Liquidity Infrastructure
Scale your transaction volumes without locking capital for long periods of time
DeFa's PayMate vault provides short-cycle credit to PSPs, RSPs, and OTC desks for prefunding settlements across key remittance corridors. Payment operators borrow USDC, complete settlements in 3-14 days, and repay. Capital recycles 4-8x per month.
Unlock New Corridors
Access prefunding capital without tying up working capital for long. Open new settlement corridors faster.
3-14 Day Cycles
Ultra-short duration credit that matches your settlement cycles. Capital recycles 4-8x per month.
Lower Cost Than Banks
Competitive rates versus traditional bank credit lines, with faster access and no lengthy approval processes.
Featured In
Institutional Lending Partners
B2B Supply Chain Partners
B2B Supply Chain Partners
B2B Supply Chain Partners
B2B Partners
Distribution and DeFi Partners
Coming Soon
We will have optimized yield strategies via partners like Morpho, Pendle, Curve, and Amina Bank logos
