The future of lending

Offer 0% credit,

earn 100% returns.

Build and fund interest-free credit products for businesses and gig workers. 0% interest, 100% returns—powered by DeFi.  

What is Sivo DeFi?

The first noncustodial EVM credit network specifically designed for the multi-trillion-dollar credit market, enabling companies to offer 0% credit with 100% returns—without borrower-provided collateral.

Why build on Sivo DeFi?

Leverage familiar APIs to create innovative credit solutions powered by DeFi's capital and securitization efficiency, unlocking credit for up to 2 billion businesses and gig workers globally.

How does 0% credit work?

A borrower with a 50% gross margin exchanges $1,000 credit for $2,000 in future revenue, costing them $1,000—equal to the credit, while the upside covers risk, capital, and loan repayment.

Supercharge your lending stack with Web3.

Slack
Google
Zapier
Shopify
Discord
Stripe
Amazon

👋 Wave goodbye to point and click.

Sivo DeFi goes beyond the traditional user interface. By chatting with 'Poe,' our AI assistant, you can interact directly with the protocol, managing everything from capital provision to disbursement and reporting, all seamlesslythrough your browser or favorite chat apps.

Simplified underwriting

Lenders qualify borrowers based on revenue, reputation, and growth capacity.

Forward flow

Unlike complex debt facilities, Sivo DeFi facilitates the direct purchase of loans from lenders.

Four levels of collateral

The protocol employs four levels of protection, including cash, tokenized collateral, and receivables.

Market leading returns

Lenders generate higher returns, while capital sources tap into leading yields in Web3.

Boost borrower revenue

Lenders get capital to fund marketing, driving traffic that boosts borrower revenue, accelerating loan repayment.

Enterprise grade

The protocol manages underwriting, liquidity and servicing with low fees and high transaction volumes.

Why Web3?

Why build a dApp?
DeFi: Capital efficency
RWA tokenization and securitization
Speed to market

Sivo DeFi is launching in early 2025.