Receivables tokenization
Receivables tokenization turns short-duration receivables, such as auto loans, BNPL and ecommerce receivables, MSME invoices and trade finance, into a tokenized pool. PazaLabs runs these as evergreen pools: as receivables mature, new ones enter, so exposure and duration stay constant.
What receivables tokenization does
Evergreen short-term investment products — dynamic, continuously replenished pools of short-duration receivables (auto loans, BNPL/eCommerce, MSME invoices, and trade finance) that generate steady yield. As loans mature, new assets enter the pool automatically, maintaining constant exposure and duration profile.
Who it's for
- BNPL and eCommerce platforms monetizing receivables
- Auto finance companies seeking off-balance-sheet funding
- MSME lenders scaling their loan book
- Investors seeking short-duration yield with high diversification
How an evergreen receivables pool works
- 1
Receivables Origination
Invoices, BNPL tickets, and auto loans submitted to the pool with full documentation.
- 2
AI Validation & Scoring
GenAI-RAG validates docs, credit signals, and concentration limits before pool entry.
- 3
Pool Entry & Token Minting
Validated assets enter; token supply adjusts as assets enter and mature.
- 4
Yield Distribution
Interest and principal repayments distribute to holders on a defined schedule.
- 5
Continuous Replenishment
As receivables mature, new ones enter — maintaining duration and yield profile.
Ready to tokenize your assets?
Book a session with our structuring team and we'll scope the right asset class and legal wrapper for your use case.