> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bizfi.bitsave.io/llms.txt
> Use this file to discover all available pages before exploring further.

# BizYield Revenue Instruments

> BizYield is BizMarket's revenue-participation instrument. It explains how holders receive a percentage of verified business revenue, how the legal structure works, and what risks apply.

BizYield instruments represent an onchain stake in the monthly revenue of a real, operating business. When you hold BizYield in a business, you own a percentage of that business's revenue pool for a defined period. Your returns rise when the business performs well and fall when it does not.

BizYield is a revenue participation product, not an ownership product. Holders do not receive voting rights, board seats, or a claim on the business's cap table.

## How BizYield works

| Parameter            | Value                                                                                            |
| -------------------- | ------------------------------------------------------------------------------------------------ |
| **Revenue pool**     | Each listed business sets aside a fixed percentage of monthly gross revenue for BizYield holders |
| **Duration**         | Fixed term, typically 12 to 36 months from the issue date                                        |
| **Returns**          | Variable and performance-linked                                                                  |
| **Payment currency** | USDC or local stablecoins, depending on the listing and user preference                          |
| **Minimum holding**  | Typically \$10 equivalent                                                                        |
| **Transferability**  | Transferable within the BizMarket ecosystem via BizSwap only                                     |
| **Risk profile**     | High. Revenue can decline, businesses can underperform, or operations can cease                  |

## Live example: Shard BizYield

Shard is the first business listed under BizYield on BizMarket. Shard is raising \$10,000 through BizYield, and in exchange, 20% of its monthly gross revenue will be distributed to BizYield holders for 24 months.

| Purchase amount | Monthly revenue share                  |
| --------------- | -------------------------------------- |
| \$10            | 0.02% of Shard's monthly revenue pool  |
| \$50            | 0.10% of Shard's monthly revenue pool  |
| \$500           | 1.00% of Shard's monthly revenue pool  |
| \$1,000         | 2.00% of Shard's monthly revenue pool  |
| \$5,000         | 10.00% of Shard's monthly revenue pool |
| \$10,000        | 20.00% of Shard's monthly revenue pool |

Shard carries a 3-month vesting period. Holders begin earning from Month 4 and continue for the remaining 21 months of the 24-month programme.

## What kinds of businesses are listed under BizYield?

BizYield is designed for businesses with consistent, verifiable, and growing revenue streams. Common categories include:

* Aviation and transport businesses such as airlines, cargo operators, and private jet charters.
* Real estate development businesses such as property developers, co-working spaces, and student housing.
* Hospitality and entertainment businesses such as hotels, event venues, cinemas, and resorts.
* Retail and consumer brands such as supermarkets, fashion brands, and FMCG distributors.
* Technology and SaaS businesses such as subscription platforms, fintech apps, and B2B software.
* Agriculture and agribusiness businesses such as farm cooperatives, produce exporters, and food processors.
* Healthcare businesses such as private hospitals, diagnostics chains, and pharmacy networks.

## Why businesses choose BizYield

When a business lists on BizYield, it is not selling shares in the company. It is not giving up ownership. It is not diluting its cap table. It is agreeing to share a percentage of its revenue for a defined period in exchange for upfront capital today.

This makes BizYield a useful capital tool for founders who want to raise money without changing ownership. The arrangement is contractual, revenue-based, and time-bound.

## Legal framework

BizYield is structured around a Revenue Participation Agreement.

* The business receives capital and commits to a revenue-sharing obligation for a defined period.
* BizMarket acts as the intermediary between the business and holders.
* The onchain smart contract is the distribution layer, not the underlying legal agreement.
* Every listing includes disclosures stating that BizYield holders are revenue participants, not shareholders.

## Minimum buy and payout cadence

BizYield carries the lowest minimum buy-in in the product family because it is the highest-risk instrument.

| Item                | Value            |
| ------------------- | ---------------- |
| **Minimum buy**     | \$10             |
| **Payment cadence** | Monthly          |
| **Return type**     | Variable         |
| **Backed by**       | Business revenue |

Monthly cadence matches the way businesses report revenue and gives holders frequent visibility into performance.

## Risks

* Business underperformance can reduce distributions.
* A business may cease operations before the term ends.
* FX conversion can affect the amount received in stablecoins.
* Regulatory changes may affect the operation of listed businesses.

## Summary

BizYield is the BizMarket revenue instrument. It lets users back operating businesses through a fixed-term revenue-sharing structure while keeping ownership and control with the founder.