Access the smoothest DeFi experience.

Simple, fixed 14% APY generated by profitable emerging businesses.
The new frontier of micro-business financing.

Coming Soon

Small businesses are the backbone of the economy. And we can help each other thrive.

DeFi doesn't have to be risky: our yields come from real-world lending.
By empowering micro-businesses, we can create lasting value,
especially in underserved and emerging markets.

For Borrowers

Access debt financing opportunies previously unavailable to you.

We know how hard it can be to get a loan as a young small business, even when profitable. Put that capital at work and finally spin your growth flywheel.

For Lenders

Earn a fixed 14% APY by lending to profitable emerging businesses.

We know how to manage credit risk and put our underwriting muscle to work for you. Thanks to a diverse portfolio of small operations we can put trust back into crypto lending.

For Builders

Get a stake in our Product Portfolio and help BUIDL it with us.

What's cooler than discovering and funding solid small businesses? Creating them! Join our DAO, build the backbone of Satin finance, enjoy rewards.

Join Our Community

Investor? Entrepreneur? Builder? Drop by our Telegram group to discover the opportunies we have for you.

Let's Do This

Frequently asked questions

If you can't find what you're looking for, email our support team and if you're lucky someone will get back to you.

    • How does Satin work for companies (borrowers)?

      Satin Finance offers businesses flexible credit solutions. If your trailing twelve-month (TTM) net profit meets our requirements and you pass our underwriting screening, you'll be eligible. Repayments are made on a 30-day epoch basis at 14% APY. This allows profitable businesses to access growth capital without needing to overcollateralize their assets.

    • How does Satin work for investors (lenders)?

      Lenders deposit USDC into Satin's Pools, earning a 14% APY. Your principal is locked for 30 days, and interest payouts (in USDC) occur every 30 days. You can withdraw your funds at any time, but the process typically takes 5 to 10 business days. Satin uses thorough underwriting and a third-party insurance mechanism to help protect your funds.

    • Isn't 14% too high for borrowers?

      We understand that 14% APY may seem steep, but it's competitive given the risk profile of the loans and the markets we serve. In emerging markets, businesses often have no other options for financing. Satin provides a fast, hassle-free alternative to bureaucracy-heavy solutions like Hero or Viceversa, which can come with significant upfront costs. Our rates also protect lenders from risk, ensuring their returns remain attractive.

    • What risks should I be aware of as an investor?

      Satin Finance works hard to mitigate risks through careful underwriting and screening, but all investments carry risks. Factors such as market volatility, borrower performance, and macroeconomic conditions can affect returns. Additionally, while we aim for 5 to 10 business days for withdrawals, liquidity constraints may occasionally cause delays.

    • Does Satin charge any fees?

      Satin Finance does not take any direct fees from investors or borrowers. Our profits are generated through the upcoming token ecosystem and the DAO we're building. The Satin team, like other investors, will participate in the ecosystem, aligning our success with yours.

    • Where can I find company profiles?

      Currently, we are running operations manually, similar to a traditional early-stage fintech startup. While we're onboarding businesses behind the scenes, we cannot publicly market our solution until the platform is fully launched. Detailed profiles will become available once our platform goes live.

    • Where does the yield come from at launch, if no companies are onboarded yet?

      At launch, Satin Finance will use its own companies' net profits to finance the initial Pools. This ensures that investors begin earning from day one. As more companies are onboarded, investor returns will come from the interest on loans issued to these businesses.

    • Will I be able to track Satin Finance's performance over time?

      Yes, we plan to provide regular performance reports to investors. These reports will include information on platform growth, borrower repayment stats, and the overall health of the Pools, ensuring transparency for all participants.

    • How can I join as an early investor?

      Satin Finance is currently accepting early investors for our pre-sale Pools. You can apply via our Telegram group to participate. Early investors enjoy exclusive perks, including access to the pre-sale of our upcoming DAO token and membership in the OG Telegram group.

    • How does Satin Finance protect investors' funds?

      Satin Finance employs rigorous underwriting and conservative loan-to-value (LTV) ratios to protect investor funds. Additionally, we've partnered with third-party insurance providers to create a capital buffer in case of defaults, ensuring that investor principal is well protected. All transactions are transparently managed on-chain.

    • How will the platform development be funded?

      Satin Finance will use investor deposits to fuel platform development. This allows us to avoid the pressure of a premature token sale and ensures that we can provide value from day one, without holding investors “hostage” until a token generation event (TGE).

    • Will early investors receive tokens?

      Yes, early investors will have access to the SATIN token at a discounted price, compensating them for the added risk of supporting us in the early stages. Additionally, the DAO will issue its own token in the future and they'll have early access to that sale as well. For more details, please refer to the 'Pre-Sale and Public Sale' page, if available.

    • What makes Satin's undercollateralized loans different from traditional DeFi loans?

      Satin Finance offers undercollateralized loans, which sets us apart from most DeFi platforms that require overcollateralization. This provides businesses with greater access to growth capital without locking up excessive amounts of collateral. Satin Finance uses traditional finance mechanisms, such as expert underwriting and risk management, to assess creditworthiness and protect loan principals, offering a safer environment for lenders while meeting the needs of real-world businesses.

    • How is Satin's insurance layer structured?

      Satin Finance integrates third-party insurance providers into its ecosystem. These insurance providers contribute to a pool that acts as a capital buffer in case of loan defaults. They earn premiums from the interest payments, ensuring that lenders' funds are further protected against unforeseen events.

    • How does the SATIN token function within the platform?

      SATIN is the platform's native token and serves several purposes. It rewards lenders and underwriters for their participation, grants governance rights to stakers, and acts as a buffer in case of loan defaults. Stakers earn a portion of Satin's revenue through buybacks, and their role is similar to that of equity investors, supporting the growth and stability of the platform.

    • How does Satin ensure long-term stability for its tokenomics?

      Satin Finance uses a gradual vesting schedule (linear, over 2 years)for early investors and team members to maintain long-term stability. The careful management of our token supply ensures a healthy, sustainable growth trajectory as we continue to onboard businesses and lenders to the platform.