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What This Protocol Enables

BizFi enables the issuance, distribution, and management of structured financial products that connect businesses seeking capital with investors providing funding onchain. At a high level, the protocol supports:
  • Access to growth capital for businesses through structured debt and, in future phases, equity and revenue-linked instruments
  • Predictable yield opportunities for investors via structured repayment products with defined terms
  • Onchain financial coordination including issuance, tracking, and distribution of payouts
  • A marketplace environment (BizMarket) where financial instruments can be discovered, evaluated, and acquired
  • Liquidity mechanisms that allow certain instruments to be exited prior to maturity, subject to protocol rules and available liquidity
The system combines smart contracts, attestations, and offchain operational processes to bridge traditional business financing with blockchain-based infrastructure.

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Who This Is For

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Businesses / Issuers

Organizations seeking structured capital, including:
  • Micro and small businesses seeking working capital or expansion funding
  • Enterprises exploring alternative financing beyond traditional bank loans
  • Projects seeking structured funding with defined repayment or revenue-sharing terms

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Investors / Capital Providers

Participants allocating capital onchain in exchange for structured financial returns:
  • Individuals seeking exposure to real-economy yield opportunities
  • Crypto-native investors diversifying into tokenized real-world financial instruments
  • Liquidity providers participating in protocol-defined exit and liquidity mechanisms

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Developers / Integrators

Technical partners building on or integrating with the protocol:
  • Applications integrating listings, financial products, or payout data
  • Analytics providers consuming protocol and marketplace data
  • Infrastructure partners supporting wallet, identity, or payment flows

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How the Protocol Works (High-Level)

The protocol coordinates capital flows between investors and businesses using a combination of smart contracts and offchain processes.
  1. Businesses Apply for Financing A business submits information, undergoes onboarding and verification, and lists a financing opportunity on the marketplace.
  2. Financial Instruments Are Issued Onchain The protocol represents the financing agreement as onchain tokens (“BizShares”) that encode the economic structure of the instrument (for example, a fixed-term debt product).
  3. Investors Allocate Capital Investors deposit supported stablecoins and acquire these tokenized instruments through the platform interface.
  4. Capital Is Deployed to the Business Funds are held and deployed through a structured legal and operational framework, enabling the business to use the capital for its stated purpose.
  5. Repayments or Distributions Occur Over Time Businesses make scheduled payments offchain. These are reconciled, bridged onchain, and distributed to token holders according to the product terms.
  6. Lifecycle Completion or Early Exit At maturity, instruments complete their lifecycle and final payouts are made. Some instruments may support early exit through a protocol-defined liquidity mechanism, subject to fees and available liquidity.
Throughout this process, the blockchain is used to record ownership, track entitlements, and automate distribution logic, while certain real-world and legal processes occur offchain.

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What You’ll Find in This Documentation

This documentation is organized to help different audiences understand the protocol from both financial and technical perspectives.
  • Product Overview A description of BizFi, BizMarket, and the core financial products available through the platform.
  • Financial Mechanics Detailed explanations of how capital flows, fees, and payouts are structured, with a deep dive into tokenized debt products.
  • User & Business Flows Step-by-step overviews of how businesses list opportunities and how investors participate.
  • Architecture & Technical Design A conceptual overview of smart contracts, onchain components, and how they interact with offchain systems.
  • Risk & Legal High-level explanations of legal structures, compliance considerations, and key risks associated with participation.
  • Reference & Appendices Glossary, mathematical explanations, schemas, and supporting technical reference material.
Readers are encouraged to start with the Product Overview and Financial Mechanics sections before exploring technical or legal details.

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Important Disclosures (High-Level)

  • This documentation is provided for informational purposes only and does not constitute investment, legal, or tax advice.
  • Participation in tokenized financial instruments involves risk, including the risk of partial or total loss of capital.
  • Some components of the system rely on offchain entities, legal agreements, and operational processes that are not fully enforced by smart contracts alone.
  • Liquidity, returns, and timelines depend on product design, counterparty performance, and market conditions.
Participants should perform their own due diligence and seek independent professional advice where appropriate before engaging with the protocol.