Sivo
Debt-as-a-Service platform enabling platforms and fintechs to access instant payouts, programmable debt capital, and embedded finance infrastructure through APIs.
About Sivo
Sivo provides debt as a service. Our API and risk protocol allows fintechs, neobanks, and gig platforms to lend money to their users, at scale, without having to raise debt which can take up to two years. You can think of us as Stripe for Debt.
We started 6 months ago, in March signed a $100m debt capital partnership, and will be launching our API in April. We already have more than 100 companies in our customer pipeline including Uber.
We’ve been able to move so quickly because we are a team with previous exits and decades of experience in risk, debt, and enterprise software for companies including Goldman Sachs, Revolut, NASA, McKinsey and Citigroup.
Products
Exchange for trading tokenized real-world receivables, built with Nasdaq and Solana.
Instant payouts and earnings advances; turns pending payouts into instant cash for gig workers, merchants, creators, and businesses.
APIs enabling fintech lenders to offer interest-only revolving lines at scale with programmatic draws and repayments; support for 7 currencies.
Yield from tokenized real-world receivables backed by collateral and deterministic payment flows; purchase with stablecoins or fiat; staking via SVO token.
Embedded credit and liquidity APIs for platforms to offer instant capital and cash flow directly inside their product.
What customers say
“Sivo is a strong debt capital partner.The program is easy to understand, and we've been able to tap into leverage based on performance.”
“Sivo partnered with us from Day 1.They comprehend early-stage lenders with a straightforward process and a transparent cost structure, and they are enabling us to scale.”
“We unlocked 10x capital to fuel our rapid growth. Trust, metrics, and data win.”
Security and compliance
No security details published yet
Sivo hasn't published certifications or security practices that we could find. Ask their team for audit reports.
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