Agile liquidity. Ultra-short 1 to 5 day cycles enable near-instant redemption and dynamic capital allocation.
Liquidity at the speed of information
Credit for
the digital
era.
Stablecoin-native credit. Real-world yield, 24/7 settlement.
01 · Why Nara
The legacy gapLegacy banking hasn't caught up.
Stablecoins move 24/7. Banks don't. Nara closes the gap.
3–5days
Settlement delays
$5T
Capital stagnation
2–6%
High costs
02 · The new credit standard
Credit, rewritten.
Short-term payment financing. Capital that turns over in days, not quarters.
10% APR
Sustainable yield backed by real-world receivables.
03 · How it works
The economics.
PayFi turns short-term payment financing into a yield asset that's stable across cycles, liquid by design, and composable with the rest of DeFi.
Real-time pricing. The short-term nature of the underlying flows unlocks dynamic, market-responsive yield.
Cycle-agnostic. Yield driven by global commerce, not crypto leverage. Stable through any market cycle.
04 · The product
A stablecoin you spend.
A yield asset that earns.
NaraUSD
Spend. The synthetic stablecoin, fully collateralised by short-term payment flows.
NaraUSD+
Earn. The yield-accruing twin. Targeting 10% APR, built on short-term payment financing, not on leverage.
Payments,
where they matter.
Payments, where they matter.
Senders transfers Euro from European bank account
Funds are converted from EUR to USDT.
Sender is charged on foreign exchange and on ramping fees.
The fee is paid to the Nara vault, as a yield to the depositors
USDT is converted to Philippines Pezos (Pezos)
Funds are instantly sent to receiver
0.0 sec
05 · Risk & transparency
Safety, by design.
Pre-funded settlement. Vetted borrowers. Step-in rights at every level.
Pre-funded settlement
Capital is deployed only after pre-funding clears.
Minimal credit risk by design.
Underwritten counterparties
Every borrower is vetted.
Financing is secured by short-term receivables.
Real-time monitoring
Continuous monitoring with step-in rights.
Capital protection at every step.