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The document serves as a reference for understanding:
  • The relationship between the platform’s operational layer and its BizMarket issuance layer
  • The lifecycle of onchain financial instruments issued through the protocol
  • The responsibilities of protocol entities and offchain operators
  • The mechanisms that govern investor participation, business funding, and payout distribution
It is intended to reduce ambiguity in system design and act as a foundation for implementation, auditing, integration, and regulatory analysis.

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Audience and Intended Use

Business Owners (Fundraisers) Use this document to understand how their businesses are evaluated, onboarded, and financed through tokenized instruments, including repayment expectations and reporting responsibilities. Investors (Onchain Participants) Use this document to understand how savings activity determines investment capacity, how BizShares function, how payouts are structured, and what guarantees are provided by the protocol. Integrators and Developers Use this document to understand the smart contract architecture, capital flow logic, token standards, and distribution systems required to interface with BizMarket’s infrastructure. Auditors and Security Reviewers Use this document to assess protocol guarantees, custody boundaries, payout mechanisms, and the separation between onchain logic and offchain financial operations. Legal and Compliance Reviewers Use this document to understand the role of BizMarket’s coordination layer, the offchain handling of business funds, the structure of tokenized instruments, and the distinction between onchain representations and real-world financial agreements.

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Product Map

The Bitsave ecosystem is composed of layered financial infrastructure that connects user savings to business financing through tokenized instruments. BizFi (Finance Category) BizFi is the finance category that structures and coordinates tokenized instruments across the ecosystem. It encompasses the product and marketplace layers that connect business financing to onchain capital. BizMarket (Product) BizMarket is the marketplace framework where business-linked tokens (BizShares) are issued and, where applicable, transferred or exited. The current product set centers on BizYield, BizCredit, and BizBond. BizShares (Tokenized Financial Instruments) BizShares are RWAs representing structured financial exposure to real-world revenue, credit, and sovereign instruments. BizYield ties returns to business revenue, BizCredit ties returns to a managed credit pool, and BizBond ties returns to government-backed securities.

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Key Design Principles and Guarantees

The BizMarket ecosystem is designed around predictable financial behavior, separation of operational responsibilities, and verifiable onchain records. Stablecoin-Denominated Payouts All investor payouts are denominated and distributed in stablecoins. This removes exposure to token-price volatility at the point of distribution and provides predictable settlement units for participants. Product-Specific Payout Cadence BizYield pays monthly, BizCredit pays weekly, and BizBond pays quarterly or at maturity, depending on the series. Each cadence matches the underlying cash flow of the instrument. Predictable Exit Structure BizCredit and BizBond are designed with predefined return schedules rather than variable market pricing. Investors know the expected payout structure at the time of participation, subject to protocol terms. Protocol-Level Payment Backing In the event of a business default or delayed repayment, the protocol uses reserves and operational controls to maintain investor payout schedules where applicable. This separates investor yield continuity from individual business performance. Onchain Attestations and Enforcement Participation limits, instrument issuance, and payout distributions are enforced or recorded onchain. Smart contracts define deposit caps, investment ceilings, and distribution logic, ensuring that core financial constraints are verifiable and not purely offchain promises. Together, these principles define BizMarket as a system that combines offchain financing with onchain enforcement, recordkeeping, and investor-facing guarantees.