Kasu exists for one simple reason.
To democratise access to the most risk-optimised yield that would otherwise only be available to institutional investors.
We do this by using a proprietary tech stack that reduces credit risk in ways never before seen in RWA lending.
We also bring liquidity at mass scale, with unique access to globally significant accounting firms and their high creditworthy clients.
Simply put, Kasu delivers higher yield, with less risk and deep liquidity — for everyone to enjoy.
Let’s dive a little deeper into ‘how?’ we do it.
LESS RISK
It’s more than just ‘less risk’.
Yields on Kasu are derived from creditworthy, profitable businesses which generate real-world cash flow. Businesses undergo rigorous credit assessment and must provide at least 2–3 years’ financials.
Each loan is backed by real-world asset security such as direct company charges, invoices, and guarantees.
But at the heart of Kasu’s offering lies its strategic partnership with Apxium, a multi-award winning SaaS+Fintech business that boasts an enviable client list of leading accounting firms utilising its unique Accounts Receivable Automation software and Smart Payments tech.
The tech works by maximising these firms’ cash flows — accelerating debtor collections before lending against these receivables (invoices) — so that the borrowing need and default risk are minimised.
The tech is deeply integrated with firms’ accounting and billing systems, providing real-time insights into all cash collections and every single invoice. This also provides access to their clients’ identity and payment performance to deliver the most intelligent Accounts Receivable & Payable lending solution in all of DeFi and TradFi.
The depth of integration also minimises invoice fraud, along with real time risk reporting and visibility into every invoice payment status for everyone to see on-chain.
And, if that’s not enough, this system is so sophisticated that it is able to trigger automated risk backstop mechanisms to reduce default through direct/auto-debit access to bank accounts.
Adding to this advanced risk structuring is diversification, where DeFi investors will be given a choice to invest across different lending pools, with a range of industry risk exposures and yields on offer.
But the key to all of this is that Kasu doesn’t just lend money to businesses.
Kasu utilises technology that improves a business’s administrative process and operating cash flow to reduce credit risk for DeFi investors.
This is a true paradigm shift in DeFi and TradFi, making Kasu unlike any other RWA lending platform.
And the proof? Well, the underlying technology has never lost a single dollar from lending in over 7 years of existence.
HIGHER YIELD
DeFi and TradFi lenders generally deliver a commoditised product… money.
They don’t provide any value-added solutions to borrowers to lower credit risk in a way that improves their businesses and provides higher quality yields for lenders.
This is where Kasu’s ‘risk-optimised yield’ is important, because not all yield is created equal.
From Kasu’s lowest-risk lending pools — which include global top 100 accounting firms — to the small business clients of these firms — yields on offer will span from 6% to 25%+.
Given the mix of Kasu lending pools across different industry risk classes, Kasu forecasts an average of 14% APY, almost 5% higher than the RWA industry average.
Let’s illustrate how ‘not all yield is created equal’, and for the sake of this exercise, let’s put the others on a level playing field with Kasu and assume they also offer an average of 14% APY.
As a DeFi investor, you now have two options to earn 14%:
Option 1 — The Commoditized Lending Approach: invest in a RWA platform offering 14% APY that simply distributes your funds to business borrowers. The platform doesn’t provide any value to help these businesses optimise cash flow to reduce risk.
Option 2 — Kasu’s Risk-Optimised Approach: invest in a Kasu pool at 14% APY, which leverages world-leading technology to optimise businesses’ cash flow, combined with innovative security structuring and risk backstops, thereby reducing credit risk for investors.
The two 14% APYs are not equal….in fact, they are (real) worlds apart.
Kasu not only brings technology that delivers the highest risk-adjusted returns in all of RWA private credit with up to 25%+ APY, but everyday DeFi investors can finally play, too.
MORE LIQUIDITY
Kasu’s technology partner, Apxium, currently manages over $2b in annual invoicing for some of the world’s largest and most creditworthy accounting firms. This translates into an opportunity to fund over $150m of low-risk invoice financing for these firms in the first year alone.
The lending opportunity to these firms’ business clients, who demand both accounts receivable and payables financing solutions, is over $7.5b.
Forecast modelling sees Kasu providing almost half a billion dollars of high-quality yield opportunities within the first three years of operation, almost single-handedly matching the entire size of today’s RWA private credit market capitalisation.
What’s more, Kasu has broader captive access to over $60b of invoicing and payment processing for accounting firms within the existing distribution channel network. This channel alone presents a total opportunity to finance up to $12b of these invoices and a further $600b for these firms’ clients.
DeFi Yield. TradFi Size.
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So there it is.
Kasu is a truly innovative DeFi lending platform offering the most risk-optimised RWA private credit yields in all of DeFi. This is not just a tagline but the reality of combining award-winning technology with a proven track record and an expansive global client base.
Because not all yield is created equal.
