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Account Receivables Tokenization
Transform receivables into liquid digital assets
Receivables-Backed Token Assets
Tokenize company accounts receivable, future revenue streams, and lease payments. Provide businesses immediate liquidity while offering investors yield-bearing assets.
Receivables Tokenization
1
Receivables Portfolio Analysis
Audit AR aging, debtor creditworthiness, historical payment rates.
2
Debt Securitization
Pool receivables and structure into investment-grade ABS (Asset-Backed Securities).
3
Token Issuance & Tranche
Issue senior/mezzanine/equity tranches of receivables-backed tokens with waterfall distributions.
4
Interest Distribution
As receivables are paid, interests flow through smart contracts to token holders.
Regulatory Compliance
- • SEC registration for ABS offerings required
- • Central Bank approval for debt securitization
- • Quarterly investor reporting mandated
- • Credit rating agency assessment recommended
- • Tax implications: interest income taxable to investors
Benefits
- ✓ Immediate working capital for businesses
- ✓ Improved cash conversion cycle
- ✓ Lower cost of capital vs. bank loans
- ✓ Transparent, auditable payment waterfall
- ✓ Yield opportunities for institutions (8-12%)
Risks
- ✗ Debtor default and payment delays
- ✗ Concentration risk in few debtors
- ✗ Economic downturn affecting collections
- ✗ Fraud/dispute in receivables portfolio
- ✗ Liquidity risk for secondary market