Delinquency & Default Handling
Merchant Payout Changes
If a Merchant changes their bank account, Sivo immediately notifies them.
Channel partners are also notified if involved.
Chargebacks & Replacements
If a consumer initiates a chargeback, the protocol replaces the TRO per UCC factoring rules.
Payment Processor Bankruptcy
Buyers have direct creditor rights, ensuring they are prioritized in liquidation events.