Stablecoin Yield Vault

Address: zig1h3au5n3lsyqm32ydz3usgy7r9z7wpx4gttcxmypfecz29adtu64svluenp

Strategy Details

Curated by ZIG Markets with Abhi as deployment partner, this vault puts stablecoin capital to work in short-duration, cashflow-linked private credit across the GCC and South Asia.

The strategy focuses on payment and remittance financing, invoice factoring, and related working capital facilities. Licensed payment operators, exchange houses, and businesses require short term capital to fulfil transactions, unlock receivables, or bridge operational cashflow gaps before their underlying cashflows clear.

For payment and remittance financing, operators often need to settle transactions instantly for customers, while the fiat leg of the transaction may only clear a few days later. The vault provides liquidity during this settlement window.

For invoice factoring, capital is deployed against verified invoices or receivables, allowing businesses to access liquidity before their customers pay. The facility is repaid once the underlying invoice or receivable is settled.

For working capital facilities, capital supports short term business needs such as payroll timing, supplier payments, inventory cycles, or other operating expenses where repayment is linked to predictable business cashflows.

Capital is deployed into short duration revolving facilities, typically repaid as the underlying cashflows settle. The vault earns the spread between the financing provided and the repayment received. Once facilities are repaid, capital is recycled into new opportunities across the borrower pool.

What it is (and is not)

This is a real world private credit strategy linked to payment, remittance, and working capital flows across regulated markets.

It is not token price speculation, not a DeFi yield loop, and not a trading strategy. Yield is generated from short duration credit facilities backed by verified business cashflows.

How it works

Payment and Remittance Financing

Capital funds short duration facilities behind licensed exchange houses, payment operators, and money transfer operators. These operators often need to settle customer transactions instantly at T+0, while fiat settlement may take 2 to 5 days to clear. The vault provides liquidity during this settlement window and earns yield when the facility is repaid.

Invoice Factoring

Capital may be deployed into verified receivables or invoices at a discount. Repayment occurs as the underlying invoice or receivable is settled.

Working Capital Facilities

Capital may also support short term working capital needs for vetted businesses and operators where repayment is linked to predictable cashflows.

Continuous Recycling and Monitoring

As facilities settle, capital is returned to the vault and redeployed across the borrower pool. This continuous recycling is designed to maintain utilisation, diversify exposure, and support consistent yield generation.

Roles

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

Abhi serves as deployment partner, originating and managing private credit opportunities across payment, remittance, invoice factoring, and related 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

Capital can be requested for withdrawal at any time.

Because vault capital is deployed into rolling short duration facilities, payout timing depends on available liquidity. During normal conditions, withdrawals are serviced from available cash and maturing facilities. During periods of lower liquidity or higher utilisation, part of a withdrawal request may wait until active facilities settle and capital recycles back into the vault.

Risk Information

Capital is deployed into private credit facilities and is subject to risk. The primary risks include counterparty default, delayed settlement, borrower concentration, operational risk, and liquidity timing.

These risks are managed through due diligence on deployment partners and borrowers, diversification across operators and sectors, single borrower exposure limits, short underlying facility duration, and ring fencing of investor capital from operational risk where applicable.

Returns are indicative and not guaranteed. Capital is at risk.

Track Record

Abhi has been operating since 2021 across the UAE, Pakistan, Saudi Arabia, and Oman, with experience across invoice finance, earned wage access, SME credit, and PayFi.

The underlying consolidated credit book has reached approximately $194 million in peak AUM, with an approximate 2% historical default rate. The strategy currently has multiple PayFi borrowers onboarded, with additional borrowers in the active pipeline, and relationships across major regional exchange houses including Lulu Exchange, Al Ansari, and Al Fardan.