How it all flows: From real businesses to real yield
DeFa bridges stablecoin liquidity with real-world businesses through a simple, transparent process, where every step adds trust, security, and value.
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Stable and Secure Yields backed by Real World Revenue
Turning cashflow gaps into yield opportunities by connecting real-world businesses with stablecoins
Rising Star Winner
Best in
Blockchain
Category
Blockchain
Category
Private Mainnet is Live!
Introducing DeFa
$80M
Value of Total Active Loans
800
Total Loans Originated
$4.5M
Total Yield Generated
~0.19%
Bad Debt Rate
Backers and Investors
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Your stablecoins deserve stability, not stress
In a world where “stable” coins often come with anything but stable returns, DeFa offers a calmer way forward. We connect your digital dollars to real businesses that need short-term funding, companies you can understand and trust. The result? Your money starts working in the real economy, not just floating in crypto volatility.
Every opportunity is built on transparency and protection. Credit insurance safeguards your capital, and our AI agent, CARA, guides you through every step, helping you discover options that align with your comfort and goals.
With DeFa, your stablecoins don’t just earn - they empower.
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Bringing the $3.6+ Trillion market on chain
Invoices present a short-term financing opportunity backed by confirmed revenue. We use them to provide immediate funding, empowering businesses to grow.
Introducing DeFa’s Private Mainnet
Get early access to earn stable and secure yields! We will be live soon and
open exclusively to early community members.
Apply for accessThree layers of confidence
Verify. Analyze. Protect.
Trust begins with every invoice
Every deal starts with proof. Our KYI system verifies each invoice across 30+ authenticity and credit parameters, assigning a real-time risk score. You invest only in genuine, verified business activity, not unverified paper.
Learn MoreIntelligence 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 copilot for smarter, effortless investing.
Learn MoreYour capital, covered
Every deal on DeFa is insured by a regulated third-party provider, offering a flat 90% coverage of your principal capital. Even if a borrower defaults, your investment remains protected, giving you institutional-grade security in a decentralized world.
Learn MoreTrust Begins With Every Invoice
Know Your Invoice (KYI)
Every deal starts with proof. Our KYI system verifies each invoice across 30+ authenticity and credit parameters, assigning a real-time risk score. You invest only in genuine, verified business activity, not unverified paper.
Intelligence That Works
for You
Meet CARA, Your AI Agent
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.
Your Capital, Covered
Third-Party Credit Insurance
Every deal on DeFa is insured by a regulated third-party provider, offering a flat 90% coverage of your principal capital. Even if a borrower defaults, your investment remains protected, giving you institutional-grade security in a decentralized world.
Borrower
Real-world businesses with strong credit history and verified invoices tap into liquidity for short-term working capital needs.
Business Model
Tokenization & Risk Analysis
Through InvoiceMate, each invoice is authenticated, risk-scored, and tokenized, ensuring only legitimate trade activity enters the DeFa ecosystem.
DeFa Protocol
Invoices are bundled into curated pools, Stream, Lift, and Surge, offering diversified yield opportunities aligned with investor preferences.
STREAM
LIFT
SURGE
Liquidity Provider
Investors deposit USDC and receive DLP tokens, earning stable, insured returns while DeFa manages lending and repayment seamlessly.
USDC
DLP
Business Model
25% commission on yields generated
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
We have created risk adjusted products for our stablecoin investors to earn stable and secure returns
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 MoreSTREAM
Steady, short-term yield for flexible investors
Designed for quick settlements and short-term invoice financing, offering 10–12% APY* with a 30-day cycle.
LIFT
Balanced growth with insured protection
A credit-insured pool offering 14–16% APY*, 90% capital coverage, and a 90-day cycle, ideal for medium-term investors seeking stability.
SURGE
High-yield opportunity with extended lock-up
Focused on invoice and revenue-based financing, providing 18–20% APY* with a 180-day cycle for investors seeking maximum returns.
Institutional Lending Partners
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B2B Partners
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B2B Partners
B2B Partners
Advisors and Investors
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Additional Members
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Blogs
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