📘 Introduction
Access to working capital remains a major barrier for over 2 billion individuals and businesses globally, many of whom lack traditional credit histories or operate with delayed or irregular revenue streams.
Sivo addresses this gap by purchasing future revenue through true-sale factoring of payment obligations, including platform payouts, invoices, subscription revenue, and other predictable payment flows. By acquiring these receivables, Sivo unlocks liquidity immediately without requiring businesses to wait for traditional payout cycles.
These collateral-backed and deterministic payment flows form the foundation of a new class of tokenized real-world assets backed by Sivo receivables.
Institutions and individuals can access this large and growing cash flow opportunity through Sivo DeFi, capturing market-leading returns from short-duration receivables backed by real-world payment flows. Participants can use popular stablecoins such as USDC and USDT, as well as fiat currencies including USD. In return, they receive tokens such as sivoUSDC, sivoUSDT, and sivoUSD, which represent Sivo’s receivables backed by real-world payment obligations.
⚙️ Why Factoring?
Factoring is a centuries-old, globally recognized commercial transaction structure — not a loan or investment product. Its legal clarity, compliance, and scalability make it an ideal foundation for real-world tokenization.
🌍 Market Opportunity
Global digital payment volumes exceed $20 trillion annually, driven by major payment networks and platforms including:
- Visa – $14.8T
- Mastercard – $9T
- Stripe – $1T+
Even a small portion of these payment flows represents a significant financing opportunity. If Sivo were to factor just 0.1% of annual global digital payment volume, the protocol could enable up to $20 billion in receivables annually, generating more than $100 million in buyer discounts while unlocking faster access to capital for businesses and workers.
The sections that follow explain how Sivo receivables are issued and redeemed, and the legal and technical framework supporting this new class of tokenized real-world assets.
For more details on the Sivo protocol, visit Sivo.xyz, review the White Paper, follow us on X or join our Discord community for updates, releases, and developer support.
SVO Token
SVO is the native token of the Sivo ecosystem and plays a central role in aligning participants across the protocol.
SVO can be purchased using popular stablecoins or fiat currencies, with its core purpose being to be staked to boost returns generated through Sivo DeFi.
The total supply of SVO is capped at 800 million tokens.
SVO holders may also participate in governance, helping guide the development and evolution of the Sivo protocol as new markets, assets, and integrations are introduced.
Updated 11 days ago