Every delayed payout holds your business back.
Platforms can follow their own payout schedules after the work is complete, making businesses cover expenses without access to money they have already earned. Sivo funds advances against those receivables so businesses can access the money before the platform releases it.
Keep your business moving before the payout arrives.
Your yield should not come with more variables.
OpenTrade leaves users sorting through multiple vault strategies to understand what drives each return, while Sivo keeps one source in focus through short-duration receivables tied to payments already owed for completed work.
Keep the source behind your yield clear.
Businesses should not wait on settled money.
A cross-border payment can already have a fixed amount and known payer while the funds continue through correspondent banks and FX desks before they arrive. The payment is no longer in question, but the business still cannot access it.
So what is actually holding the money back after the payment is settled? 👇
The wait comes from the rails, not the payment.
Sivo advances against the settled transfer before the payment system delivers the funds, giving the business access while the transfer continues toward its account. With the amount fixed and the payer known, capital covers the remaining time gap instead of uncertainty over whether the payment will happen.
But how does financing that time gap generate yield? 👇
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Capital should be backed by a known payer.
Merchants complete their sales, but they still have to wait for the platform’s payout schedule to access the money they have already earned. Sivo funds against the receivable after the obligation exists, connecting the position to a named and verifiable payer as the receivable remains monitored until the platform pays.
Put clarity behind every position.
Your yield needs more than a different format.
Pendle changes how yield is traded, but its returns still depend on the asset underneath. Sivo starts with a different source by generating returns from short-duration receivables tied to payments already owed for completed work so that your capital is tied to real payment activity instead of another layer built on existing yield.
Move your capital beyond repackaged yield.
Money should not get stuck after approval.
Insurance payouts can remain in processing even after approval confirms the amount owed, leaving recipients waiting for money that is already theirs. Sivo advances against that confirmed obligation, giving them access before the payout reaches their account so they can cover expenses without waiting for processing to finish.
Get ahead of the payout delay.
Most credit asks you to bet on what happens next.
It depends on a borrower performing in the future. But Sivo removes that uncertainty by financing completed work and payments already owed, giving your capital an existing obligation instead of a future promise.
But how does that obligation become an asset Sivo can finance? 👇
Your yield should not need token incentives to hold up.
Kamino leaves part of its vault APY dependent on incentive rewards rather than lending activity, a limitation Sivo removes entirely by generating returns as receivables settle and capital funds the next advance, so that you can put your capital behind payment activity instead of relying on reward programs.
Keep incentives out of your yield.
More than $100B is trapped behind payout schedules every day.
Workers and businesses finish the work but still wait to be paid, leaving them to be held back by money that is already theirs. Sivo advances against confirmed obligations before platforms pay, keeping capital available when it matters so that you can cover expenses and keep your business moving.
Take control of when your money moves.
Your yield should not depend on a loan performing.
Maple Finance generates yield through overcollateralized institutional loans, while Sivo moves beyond loan-based yield with 12% APY generated through short-duration receivables tied to payments already owed for completed work.
Move your capital beyond institutional lending
Long-duration credit keeps your capital tied to years of uncertainty.
Sivo finances short-duration receivables tied to completed work, allowing capital to move into new positions as payments clear, so users do not have to keep their capital tied to the same credit exposure for years.
Keep duration working in your favor.
When centrifuge leaves you navigating RWAs and return drivers, Sivo removes that complexity from your yield.
Its 12% APY comes from advancing capital against short-duration receivables after the work has already been completed, keeping your return connected to existing payment obligations instead of revenue that still has to be earned.
Know exactly what sits behind the yield.
Your capital shouldn’t take the loss when a payment underperforms.
Sivo structures receivables with loss reserves provided by the originator, putting their own capital behind the payments they bring forward and creating a layer designed to protect your position if a payment underperforms.
Put your capital where protection is built in.
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Growth should not cost you control.
Equity funding makes fintechs give up part of the company to finance future growth. Sivo uses debt to fund short-duration receivables backed by completed work and payments already owed, allowing you to serve more users while ownership stays with your team.
Scale without giving up ownership.
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