Skip to main content

​
Business Onboarding / Listing Flow

Businesses undergo a structured onboarding and verification process before a tokenized instrument is offered on BizMarket. Key Steps:
  1. Application Submission — Business submits required information and supporting documents through the onboarding interface.
  2. Eligibility & Compliance Review — The protocol’s compliance and risk teams assess sector suitability, revenue profile, and perform KYB checks.
  3. Instrument Structuring — Terms (instrument type, amount, tenure, payout cadence) are defined and presented to investors.
  4. Listing Publication — The offering is published on BizMarket with onchain parameters and investor-facing disclosures.

​
Saver / Investor Onboarding & Limits

Investor participation is mediated by SaveFi savings balances which determine investment capacity via onchain enforcement mechanisms. Key Steps:
  1. Wallet Connection — Participant connects an external wallet or provisioned account.
  2. Stablecoin Deposit (SaveFi) — Participant deposits supported stablecoins to establish savings balance.
  3. Onchain Capacity Enforcement — Smart contracts enforce participation limits based on declared savings balances. This limit is calculated as 100x the stablecoin deposit. For example, a $100 deposit allows up to $10,000 in BizShare investments.
  4. Market Access — Participant may browse and acquire BizShares within their permitted capacity.

​
Primary Market Purchase Flow

Primary purchases allocate capital to tokenized instruments and mint BizShares representing investor positions. Key Steps:
  1. Selection & Review — Investor reviews listing details and risk disclosures.
  2. Commitment — Investor commits stablecoins for the selected allocation.
  3. Onchain Settlement & Issuance — Once sale conditions are met, BizShares are issued onchain to the investor’s address.

​
Secondary Market Exit (BizSwap) Flow — Debt Instruments

Debt BizShares are non-transferable between users; exits are executed through BizSwap, a protocol-managed liquidity mechanism that provides a discounted settlement option. Key Steps:
  1. Exit Request — Investor initiates an exit request via BizSwap.
  2. Eligibility Verification — Protocol verifies instrument status and eligibility criteria.
  3. Settlement — Investor returns BizShares to the protocol and receives stablecoins per the exit formula (including any exit fee).

​
Liquidity Provision

External liquidity providers supply stablecoins to protocol-designated pools to support financing cycles and BizSwap exits. Key Steps:
  1. Contribution — Provider deposits stablecoins into a liquidity pool.
  2. Pool Exposure — Provider’s contribution is represented according to pool rules and entitles them to defined fee shares.
  3. Incentives & Returns — Returns are generated from protocol fee distributions and exit-fee sharing.

​
Repayment & Distribution

Businesses remit repayments or revenue shares which are ultimately used to fund onchain distributions to investors. Key Steps:
  1. Business Payment — Business remits payments as required by the instrument terms.
  2. Funds Receipt & Verification — Protocol acknowledges receipt and verifies amounts.
  3. Onchain Distribution — Verified funds are made available for onchain distribution; smart contracts allocate payouts to BizShare holders per their entitlements.
  4. Investor Receipt — Investors receive stablecoins on the defined payout cadence.

​
Referral & Agent Flow

Referral mechanisms and agent programs facilitate acquisition and onboarding; attribution and rewards are applied per program rules. Key Steps:
  1. Referral Registration — Agents or users register and receive referral identifiers.
  2. Referred Onboarding — New participants register using referral links or codes.
  3. Attribution & Rewards — Program rules determine rewards or fee adjustments for successful referrals.

​
Compliance (KYC / KYB)

Compliance requirements vary by participant type and jurisdiction. Business listings require KYB; investor KYC requirements may vary by product or jurisdiction. Key Points:
  • Businesses: Mandatory KYB, document submission, and identity verification prior to listing.
  • Investors: Standard onchain participation does not universally require protocol-level KYC; additional verification may be required for certain products or jurisdictions.