Introduction

1B+ businesses and gig workers struggle to access affordable working capital.

Sivo's Revenue Marketplace enables businesses and gig workers ("Merchants") to transform their future revenue into upfront, interest-free working capital to fuel growth and meet everyday expenses. By selling receivables—such as payments, invoices, and billing agreements—merchants worldwide now have a cost-efficient alternative to traditional business loans.

How can working capital be interest-free?

Sivo reinvests part of its fee into incentives like cashback for customers who purchase from participating merchants, driving new and repeat business while boosting merchant revenue. Since the cost of generating this additional revenue is typically lower than the revenue itself, the margin from these increased sales often offsets fees—making the sale of receivables cost-neutral or even profitable for merchants.

Why do we do this? Two simple reasons: first, because it’s the right thing to do; and second, because the more revenue we help merchants generate, the more receivables they have to sell. Everyone wins!

Curious about how we leverage DeFi to deliver a world-class experience? Check out our White Paper and follow us on X or join our Slack or Discord community for feature releases, events, and developer support.