Sivo DeFi enables originators to offer low-cost or interest-free credit to small businesses and gig workers in exchange for a portion of their future revenue. Upon approval, loans are purchased, and repayment is facilitated through deductions from the borrower’s revenue, rerouted via a wallet or account provided by Sivo DeFi.
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Loan repayment is accelerated through marketing efforts by the originator, funded by Sivo DeFi, designed to drive more consumers to the borrower and boost their revenue. Originators benefit from returns that exceed traditional lending programs, while borrowers gain access to low-cost or interest-free capital, along with new and repeat customers.
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The purchase of these loans, including interest and fees withheld at origination, as well as risk management measures such as collateral, is funded by capital pools. These pools are backed by a decentralized network of accredited capital sources, earning market-leading returns of up to 20% APR or more.
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Sivo DeFi is scheduled to launch in Q1 2025. Visit sivo.xyz to learn more and join the waitlist by chatting with Poe, our AI.