Kea is a DeFi protocol that uses AI-driven onchain credit scoring to tokenize SME receivables like invoices, inventory, and trade instruments thereby enabling real-time, unbiased lending.
Lenders earn yield by subscribing to these tokenized assets while SMEs access fast, programmable capital they couldn’t get from traditional finance.
A UAE exporter tokenizes approved invoices to buyers in Europe and Asia on Kea. Global lenders fund these receivables in USDC, the exporter receives local fiat via partners, and repayments are converted back to USDC yield for lenders.
An e-commerce or retail SME tokenizes seasonal inventory and purchase orders. Kea’s AI scoring sets limits and pricing, and USDC liquidity funds just in time stock so the business can scale without waiting on bank approvals.
An importer tokenizes trade instruments tied to shipments. Lenders subscribe in USDC and Kea programs capital release and repayment to match shipment and delivery milestones, giving importers smoother cash flow.
Accounting or payment platforms integrate Kea as an embedded credit rail. Kea reads anonymized cash flow data, creates tokenized credit lines funded in USDC, and SMEs see it as simple one-click working capital.
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