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By HiYield
HiYield: Aggregating liquidity for the market’s top real-world assets through the HiYield lending market
HiYield aggregates liquidity for the increasingly fragmented tokenized RWA (real world asset) market using its custom-built HiYield lending market. The HiYield lending market has a unique architecture ideal for tokenized assets, enabling both borrowers and lenders to maximize returns on tokenized assets, participate in pre-vetted offerings from both public and private markets, and access deals from other partner tokenization protocols. The problem HiYield addresses is the growing fragmentation of the RWA market. Liquidity Fragmentation erodes the benefits of tokenization, hurting investors and new protocols alike. HiYield addresses this problem by aggregating liquidity into the HiYield lending market, pre-vetting opportunities on our platform, and allowing investors to access the market’s best deals all in one interface.
The HiYield lending market consists of a passive lending pool with broad exposure to all tokenized assets and a number of isolated lending pools against an individual collateral type. It comes with several benefits for both borrowers and lenders:
Lenders: - Flexible credit risk by lending in isolated pools that match your risk-profile - Flexible duration risk by lending in isolated pools that match your investment horizon - Lend in the Passive Pool if you don’t want to actively manage your position - Lenders receive a variable interest rate based on the utilization percentage and borrow rate of the pool
Borrowers: - Borrow against your tokenized assets to purchase more tokenized assets, achieving a leveraged return - Borrow against your tokenized assets to purchase other assets, increasing yield on all your investments - Borrowers pay a fixed interest rate
Our asset offerings fall into 3 categories: Public Markets, Private Markets, and On-chain markets. Public markets include US treasury bills, corporate debt, and asset-backed securities. Private Markets include products like invoice financing, and on-chain markets include working with existing tokenization protocols on other networks to re-issue their tokens on Stellar. HiYield offerings are SEC-exempt “Private Placements” (RegD/S). Private Placements are open to accredited US investors and all non-US investors. Additionally, we keep the offerings at 9 months or less to maturity, which removes the 99 investor limit resulting in no minimum investment size. We work with a top law firm with extensive experience in the blockchain industry to ensure our offerings are compliant.
HiYield earns revenue by charging a spread on the interest earned off-chain vs the interest offered on-chain. For example, a tokenized asset might earn 10% yield on-chain, while the off-chain assets earn 12%. In that case, HiYield would earn 2%. The more offerings that HiYield makes on Stellar, the more revenue it will generate. HiYield completed a proof of concept on Ethereum aggregating ~1.2M in total USDC deposits across two product offerings, a 2 month treasury bill and a line of credit to HiYield.
$150.0K
Scott Smiley
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