Tokenized Trade Finance Notes
Tokenized Trade Finance Notes
We structure and issue private notes on chain, backed by short-dated, verifiable trade assets. The token is a security. The cash flows are real. Transfers are permissioned. Reporting is automated. If you want crypto theatre, look elsewhere. If you want disciplined, on-chain paper tied to actual receivables, we’ll run it end-to-end.
A clean SPV, clear cash waterfall, whitelisted investor base, and a token that mirrors the note register. Distributions and redemptions post on chain; control still sits with the legal docs.
What this is (and isn’t)
| This IS | This is NOT |
|---|---|
| Private notes issued by an SPV, recorded on chain, backed by eligible trade assets | A meme coin, a deposit, or a retail free-for-all |
| Whitelisted transfers only, with KYC/AML and sanctions checks | Open trading on random DEXs |
| Off-chain documents control; on-chain ledger reflects the register | “Code is law” claims that ignore contracts and security interests |
| Short tenor, amortizing or revolving, real-world yield from obligors | Yield from token emissions or unsourced “treasury” wallets |
Core structure
| Element | How we set it | Why it matters |
|---|---|---|
| Issuer | Bankruptcy-remote SPV with corporate governance and paying-agent mandate | Separates asset risk from originator risk |
| Assets | Short-dated receivables, LC discounting, UPAS flows, inventory/WR finance | Predictable cash cycle; clear evidence |
| Tranches | Senior / mezz (optional) + originator first-loss | Aligns risk; improves senior advance |
| Waterfall | Collections → fees → interest → principal → reserves → residual | Investors paid before equity |
| Security | Assignment of receivables, WR/title control, account control, insurance where used | Enforceable collateral path |
| Reporting | Monthly pool tapes on chain + downloadable CSVs | Transparency without drama |
Eligible asset pools
| Bucket | Examples | Key tests |
|---|---|---|
| Receivables (B2B) | Invoice purchase, LC confirmation/discount, UPAS proceeds | Obligor quality, dilution/default history, legal true sale or assignment |
| Inventory / WR | Metals in named warehouses, ags under SMA | Title perfection, operator letters, insurance, haircuts |
| Contracted flows | EPC milestones, offtake-linked payments | Milestone evidence, set-off risks mapped, performance support |
Token standard & plumbing
| Topic | Our approach | Notes |
|---|---|---|
| Standard | Security-token frameworks (e.g., ERC-1400 / ERC-3643-style) with transfer restrictions | Whitelist enforced; blocked wallets can’t receive |
| Network | Permissioned L2 or public chain with permissioning (case by case) | Gas and custody kept practical; no hype chains |
| Register | On-chain register mirrored to the off-chain register of noteholders | Legal record = off-chain register; chain is the evidence layer |
| Settlement | Fiat via paying agent or approved stablecoin (e.g., USD-pegged) to whitelisted wallets | Cash sweeps reconcile to bank statements |
| Compliance | KYC/AML, sanctions, transfer restrictions, lock-ups, legends | No retail. Professional/qualified investors only |
Process & timeline
| Phase | What we do | Output | Indicative timing |
|---|---|---|---|
| 1) Screening | Read the assets, jurisdiction, and sponsor | Go/No-Go + checklist | 5 business days |
| 2) Structuring | Set SPV, waterfall, eligibility tests, triggers, token rules | Term sheet + structure memo | 2–3 weeks |
| 3) Docs & chain | Draft legal pack; deploy token and whitelist; link paying agent | Final docs + test issuance | 3–4 weeks |
| 4) Distribution | Targeted investors; KYC; allocations; close | Funds received; tokens issued | 2–3 weeks |
Total: ~7–10 weeks from complete data. Faster if SPV and docs already exist.
Controls we install
| Control | Purpose | Example |
|---|---|---|
| Eligibility & reserves | Keep weak assets out and protect coverage | Aging limits, concentration caps, obligor floors |
| Account control / waterfall | Make cash go where it should | Collections sweep to controlled accounts |
| Insurance / TCI | Lift advance rates or limit concentrations | Named-obligor limits; claim protocols |
| Triggers | Act early when metrics slip | Delinquency, dilution, DSCR tests → amortization or sweeps |
| Reporting | Give investors a clear view | Monthly pool tapes, on-chain notices, downloadable CSVs |
Who buys this paper
| Investor | What they like | Typical ask |
|---|---|---|
| Private credit funds | Short tenor, self-liquidating assets | Thick enhancement, clean reporting, enforceable security |
| Family offices | Predictable carry, simple docs | Clear cash path, custody instructions |
| Banks (selective) | Warehousing seniors or bilateral lines | True sale/assignment and priority on collateral |
Operating model
| Role | Who | Notes |
|---|---|---|
| Originator/Servicer | You (or a named third party) | Collects; sends pool tapes; follows covenants |
| Issuer SPV | Ring-fenced vehicle | Issues notes and tokens; holds security |
| Paying agent | Bank or trust company | Distributes cash; reconciles with on-chain events |
| Token registrar | Our platform | Whitelist/KYC; transfer controls; cap table |
| Custody | Self or qualified custodian | Cold/warm options; wallet procedures |
Are you eligible?
| Topic | Baseline |
|---|---|
| Assets | Verifiable, short-dated, with history and documents |
| Jurisdiction | Bankable law; enforceable security; private placement path |
| Data | Pool tapes, collections history, obligor lists |
| Budget | Set-up and third-party costs funded on time |
| Distribution | Professional/qualified investors only; no retail |
Fees
| Item | When | Covers |
|---|---|---|
| Set-up fee | At mandate | Structuring, docs, SPV, token deployment, whitelist |
| Third-party costs | As incurred | Legal, paying agent, audits, insurance/TCI, chain ops |
| Placement fee | At close | % of funds raised, sized to deal and ticket mix |
| Admin/registry | Ongoing | Whitelist upkeep, reporting, on-chain notices |
Tokenization won’t rescue a weak pool. If the assets fail underwriting off chain, putting them on chain just makes the failure public. Bring real assets and we’ll deliver real paper—plus the efficiency of on-chain registers and payouts.
Have short-dated trade assets and a real collections history? Send your pool tape, jurisdiction, and target size. We’ll screen fast and map the route to a tokenized note.
Request a Tokenized Note ProposalFinancely Group acts as an advisor and arranger. We are not a lender, broker-dealer, or investment adviser. Tokenized notes are offered only to professional/qualified investors under private placement exemptions. Transfer restrictions, lock-ups, and legends apply. This is not an offer to sell or a solicitation to buy any security. All work is subject to KYC/AML, sanctions screening, legal review, and a signed engagement.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
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Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
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Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFor Banks
Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
