On-Chain
Liquidity as
a Service (LaaS) Infrastructure

Turning receivables into
high-velocity & secured yield.

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Rising Star Winner

Private Mainnet is Live!

stable-and-secure-yields-backed-by-real-world-revenue

Introducing DeFa

DeFa Private Mainnet is Live.Apply for Access

$6.6M+

Investor Yield Generated

Track Live Data on Dune

Dune

Track TVL on DefiLlama

DefiLlama

Backers and Investors

DeFa backer and investor Dubai International

DeFa backer and investor Black Alpha Capital

The Vertically Integrated Liquidity as a Service

Embedded Asset Origination: The Pipeline

Sourcing trade and settlement flows directly at the point of transaction.

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Underwriting & Insurance: The Security

Institutional-grade underwriting backed by insurance to eliminate risk blind spots.

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Execute & Settle: The Yield

Frictionless liquidity routing & automated settlement for seamless capital cycles.

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Closed-loop infrastructure from point-of-transaction to predictable, compounding yield.

The Vertically Integrated Liquidity as a Service

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%*

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Proven 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 TradeFi

Same 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

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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.

Apply for access

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.

Apply for access

your-stablecoins-deserve-stability-not-stress

bringing-the-$3.6-trillion-market-on-chain

$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.

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Intelligence 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.

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.

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.

KYR

CREDIT SCORING

RECEIVABLE VERIFICATION

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.

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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.

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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.

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PayMate

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.