Opportunistic Credit Vault

Address: zig1mayx7wkzensav40j3qc8c5lh6s884jlhsu0c0js058t4u9xcg0mql58gkq

Strategy Details

Curated by ZIG Markets and powered by Valdora’s infrastructure, this vault puts, this vault gives investors exposure to a diversified private-credit book combining short-duration PayFi factoring and regulated SME working-capital facilities across the GCC.

The strategy deploys USDC into short-duration factoring facilities backing licensed payment operators and into revolving working-capital lines extended to vetted SMEs across the UAE, KSA, and Oman. ZIG Markets balances yield, duration, and counterparty exposure.

Returns are generated from real business activity. Licensed exchange houses and payment service providers access liquidity to bridge the gap between instant remittance settlement and fiat clearing, while SMEs draw on working-capital facilities to manage supplier payments, order cycles, and receivables gaps. Repayment comes from verified business cashflows, not market speculation. The vault earns yield through agreed financing fees and spreads, net of operational and credit management costs.

This is the higher-yield, higher-variability counterpart to the Core Income Vault. It targets stronger return potential by accepting broader exposure across private credit structures, borrower types, and facility durations.

What it is and is not

This is a higher yield real economy private credit strategy backed by verified receivables, unpaid invoices, revenue linked facilities, and business cashflows.

It is not token price speculation, not a DeFi leverage loop, and not market directional trading. Yield is sourced from financing activity tied to operating businesses, not from trading performance or token appreciation.

How it works

Invoice financing

Capital is used to finance verified invoices or receivables. Businesses receive liquidity before their customers pay, while the vault earns yield from the financing spread or agreed fee structure. Repayment occurs as the underlying invoices are settled.

Revenue based financing

Capital may be advanced to businesses against predictable future revenues. Repayment is linked to business cash generation rather than market performance, aligning the facility with operating cashflows.

SME working capital facilities

Capital may also support short term working capital needs for vetted SMEs and operating businesses, helping them manage supplier payments, order fulfilment, payroll timing, inventory cycles, or receivables gaps.

Active allocation

ZIG Markets actively allocates across higher yielding facilities in the available opportunity set. The vault is designed to diversify across borrowers, sectors, originators, facility types, and jurisdictions, while tilting toward opportunities with stronger risk adjusted return potential.

Technology-enabled verification and monitoring

Each financing position is supported by infrastructure for receivables verification, risk assessment and ongoing monitoring. Tokenization, utilisation reporting and onchain accounting provide greater traceability and continuous visibility into portfolio performance and capital deployment.

Roles

ZIG Markets acts as Curator, setting the strategy, allocating capital, sourcing opportunities, and overseeing counterparties.

Valdora wraps the strategy in an audited onchain vault, issues transferable vVaultOC shares to investors seeking exposure, reports AUM onchain, and applies a 0% performance fee. Yield reaches you in full.

Withdrawal Mechanics

The vault has a redemption period of up to 60 days.

Because capital is deployed into private credit facilities, withdrawals are serviced as underlying facilities repay and capital recycles back into the vault. In normal conditions, redemptions may be fulfilled earlier if sufficient liquidity is available. During periods of higher utilisation or lower liquidity, redemption timing may extend toward the upper end of the 60 day period.

Risk Information

This vault is designed for investors seeking higher return potential and willing to accept higher variability than lower risk income strategies.

The primary risks include borrower default, delayed repayment, invoice non payment, concentration risk, originator risk, operational risk, and liquidity timing. These risks are managed through counterparty due diligence, receivable verification, borrower and facility diversification, exposure limits, ongoing monitoring, and ring fencing of investor capital from operational risk where applicable.

Capital is at risk, and returns are indicative, not guaranteed.

Track Record

The underlying credit platform focuses on receivables backed private credit, connecting stablecoin liquidity to verified invoices, licensed payment infrastructure and short term working capital facilities. Reported performance across the platform includes:

• $100M+ in private credit deployed
• $640M+ in transaction volume processed
• $6.5M+ in investor yield generated
• 0.19% reported NPL rate