When Jane pays for dinner with her credit card, the restaurant typically waits several days to receive the funds. The same applies to Uber drivers, content creators, subscription-based businesses, and Airbnb hosts—they all experience delayed payouts from platforms and payment processors.

Instead of waiting, businesses can sell these expected payouts—known as Payment Obligations (POs)—to Sivo, unlocking instant liquidity.

Once Sivo purchases these obligations using its own capital, it separately issues Tokenized Receivable Obligations (TROs), allowing buyers to purchase claims on Sivo’s receivable cashflows at a discount.

When payouts are initiated by platforms or payment processors, these funds are routed to Sivo and settled through the protocol.

Because TROs are structured as trade receivables rather than securities, they introduce a new, on-chain approach to commercial finance.