Your yield should not come with more variables.
OpenTrade leaves users sorting through multiple vault strategies to understand what drives each return, while Sivo keeps one source in focus through short-duration receivables tied to payments already owed for completed work.
Keep the source behind your yield clear.
Businesses should not wait on settled money.
A cross-border payment can already have a fixed amount and known payer while the funds continue through correspondent banks and FX desks before they arrive. The payment is no longer in question, but the business still cannot access it.
So what is actually holding the money back after the payment is settled? 👇
The wait comes from the rails, not the payment.
Sivo advances against the settled transfer before the payment system delivers the funds, giving the business access while the transfer continues toward its account. With the amount fixed and the payer known, capital covers the remaining time gap instead of uncertainty over whether the payment will happen.
But how does financing that time gap generate yield? 👇
The wait becomes the asset.
Capital covers the gap until the transfer arrives. Once it does, the receivable resolves and capital can move into the next position, generating returns from a confirmed real-world payment rather than token emissions or a borrower’s future performance.
Put capital behind payments already in motion.
Capital should be backed by a known payer.
Merchants complete their sales, but they still have to wait for the platform’s payout schedule to access the money they have already earned. Sivo funds against the receivable after the obligation exists, connecting the position to a named and verifiable payer as the receivable remains monitored until the platform pays.
Put clarity behind every position.
Your yield needs more than a different format.
Pendle changes how yield is traded, but its returns still depend on the asset underneath. Sivo starts with a different source by generating returns from short-duration receivables tied to payments already owed for completed work so that your capital is tied to real payment activity instead of another layer built on existing yield.
Move your capital beyond repackaged yield.
Money should not get stuck after approval.
Insurance payouts can remain in processing even after approval confirms the amount owed, leaving recipients waiting for money that is already theirs. Sivo advances against that confirmed obligation, giving them access before the payout reaches their account so they can cover expenses without waiting for processing to finish.
Get ahead of the payout delay.
Most credit asks you to bet on what happens next.
It depends on a borrower performing in the future. But Sivo removes that uncertainty by financing completed work and payments already owed, giving your capital an existing obligation instead of a future promise.
But how does that obligation become an asset Sivo can finance? 👇
Sivo finances a payment with clear ownership.
The originator pays a business upfront and buys the receivable through a true sale, then Sivo funds against it, tying capital to an existing payment rather than a promise.
But what protects capital if payment underperforms? 👇
Your yield should not need token incentives to hold up.
Kamino leaves part of its vault APY dependent on incentive rewards rather than lending activity, a limitation Sivo removes entirely by generating returns as receivables settle and capital funds the next advance, so that you can put your capital behind payment activity instead of relying on reward programs.
Keep incentives out of your yield.
More than $100B is trapped behind payout schedules every day.
Workers and businesses finish the work but still wait to be paid, leaving them to be held back by money that is already theirs. Sivo advances against confirmed obligations before platforms pay, keeping capital available when it matters so that you can cover expenses and keep your business moving.
Take control of when your money moves.
Sivo advances against payments already in flight, giving businesses access to money already owed before slow systems release it.
Instead of letting an approved payment hold back the business, Sivo closes the gap between approved and arrived.
So how does that create yield? 👇
Your yield should not depend on a loan performing.
Maple Finance generates yield through overcollateralized institutional loans, while Sivo moves beyond loan-based yield with 12% APY generated through short-duration receivables tied to payments already owed for completed work.
Move your capital beyond institutional lending
