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.
Yield shouldn’t depend on a vote.
When Spark uses governance-set rates, users face changes beyond their control. Sivo doesn’t leave users tied to a protocol vote. Its returns come from receivables tied to completed work as platforms pay and capital recycles.
Put payments first.
Delayed payments reduce the capital your business can use.
The work can be finished and the payment confirmed, yet businesses still wait days or weeks for it to arrive while expenses keep moving and money already earned remains stuck.
But what if the wait disappeared?👇
Sivo advances against payments already in flight, giving businesses access to money already owed before slow systems release it.
Instead of letting an approved payment hold back the business, Sivo closes the gap between approved and arrived.
So how does that create yield? 👇
Your money shouldn’t be stuck after approval.
An insurance claim can be approved yet remain queued for weeks. Sivo advances against that confirmed payment, giving the recipient access to the money before slow payment systems finish moving it.
Move your money ahead of the delay.
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.
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.
Access 12% APY through short-duration receivables beyond the limits of crypto borrowing demand.
When Aave depends on pool utilization and Ethena relies on funding rates and basis spreads, Sivo removes both of those limitations from the equation by generating yield from completed business payments, so your returns come from real-world cash flows rather than shifting crypto-market conditions.
Move beyond market-driven yield.
Capital shouldn’t depend on the payer alone.
Even when money is already owed, a short-duration receivable can still go unpaid. Sivo uses true-sale ownership to establish legal control of the asset, while funds set aside by the originator and insurance where available provide additional protection.
These protections show how a potential loss would be handled.
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.
While platforms like Morpho rely on borrowing demand and Falcon Finance on crypto trading conditions, Sivo relies on neither.
Its 12% APY comes from payments owed for completed work, tying your return to business already done, not the market’s next move.
Back real payments.
Capital can earn beyond the average.
Sivo DeFi gets you up to 15% APY through advances against delayed payouts. That is over 39x the U.S. national average savings rate, and every position ties back to a real payment from completed business activity.
Set a higher standard for your capital.
Getting more users paid sooner should not mean more manual work.
A courier finishes her deliveries, but the platform can take weeks to pay. That unpaid obligation becomes a receivable the fintech must fund, monitor and report until the payment arrives.
But when every delayed payment adds another process, can your operations keep up?
Manual work turns growth into overhead.
Sivo funds originators against receivables and connects with existing workflows through APIs and Zapier, automating how capital moves and performance is reported.
So what happens when the platform finally releases the funds?