Introducing Tribal Finance

Borderless financing for the global economy

Tl;dr: Visit www.tribal.finance to learn more

Today, we are delighted to announce the launch of Tribal Finance, an open, borderless credit investment platform for the global economy. Leveraging best-in-class, pro-transparency lending technology, Tribal Finance represents a leap forward for global credit investment, allowing for efficient allocation of capital across borders. Tribal Finance is set to change the world of cross-border credit investment, for good.

Why the world needs Tribal Finance

Global capital markets are inefficient and inequitable, continually failing to properly connect credit supply and demand, especially across geographies. Red tape and payment friction constrict the free flow of capital, resulting in missed opportunities.

For example, lending to small-and-medium businesses (SMBs) in emerging markets is a lucrative, high-impact credit investment opportunity, with double-digit interest rates in markets like Mexico (12%), Brazil (19.5%), and Peru (26%). Nonetheless, emerging market SMBs have an unmet capital need of $5.2 trillion every year. The myriad challenges with cross-border lending stand in the way, including opaque deal structures, highly localized credit risks, and last-mile payment delivery.

Credit markets are due for disruption. Enter, Tribal Finance.

The Tribal Finance advantage

Tribal Finance connects global capital with attractive, risk-adjusted lending opportunities underwritten and serviced by fintechs with local market expertise. Deals on the platform are executed transparently via open-source Ethereum smart contracts and fully collateralized with real-world assets, secured via industry-standard legal agreements. Through stringent risk management and reporting mechanisms, Tribal Finance enables secure, sustainable economic interactions between all participants.

Benefits for Borrowers

• Compliant, fully digitized securitization structures, smoothing the complexities of debt fundraising.
• Composable borrowing infrastructure, with easy roll-over of funds between pools.
• Access to top-tier credit investors with ready-made reporting infrastructure to enable visibility

Benefits for Lenders

• Attractive, risk-adjusted yields (up to 20% APY), always paid in USDC.
• Robust credit enhancements both on- and off-chain, safeguarding platform investments at all times.
• Transparency-first platform design, permitting real-time visibility into portfolio performance.
• Multi-tranche pools and yield maximization features, permitting bespoke investment strategies.

Protocol structure

Sign up for a demo at www.tribal.finance