Opportunistic Credit Vault

Address: zig1mayx7wkzensav40j3qc8c5lh6s884jlhsu0c0js058t4u9xcg0mql58gkq

Strategy Details

Curated by ZIG Markets with DeFa by InvoiceMate as deployment partner, this vault gives investors exposure to higher yield private credit and structured real world financing across verified receivables, invoice financing, revenue backed facilities, and short term working capital opportunities.

The strategy deploys USDC into verified receivables and cashflow linked financing opportunities. These may include unpaid invoices, revenue backed facilities, and short term working capital needs for vetted businesses and operators.

Returns are generated from real business activity. Businesses access liquidity to bridge cashflow gaps, unlock working capital, or finance short term operating needs, then repay from verified receivables, contracted revenues, or operating cashflows. The vault earns yield through agreed financing fees, spreads, and revenue share arrangements, 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

DeFa by InvoiceMate uses receivables verification, tokenization, and risk scoring infrastructure to support underwriting, traceability, and ongoing monitoring. This helps validate the underlying economic activity before capital is deployed and supports better reporting across the portfolio.

Roles

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

DeFa by InvoiceMate acts as deployment partner, originating and managing private credit opportunities across invoice financing, revenue based financing, and SME working capital infrastructure.

Valdora wraps the strategy in an onchain vault, issues the vault token, reports vault activity onchain, and applies a 0% performance fee on yield.

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

DeFa by InvoiceMate focuses on receivables backed private credit, connecting stablecoin liquidity to verified invoices, revenue linked financing, and short term working capital opportunities. Across its platform, DeFa reports $100M+ in private credit deployed,$640M+ in transaction volume processed, $6.5M+ in investor yield generated, and a 0.19% reported NPL rate.