What it sells
Debt as a service for companies to lend money to their users at scale.
Business model breakdown
Buyer: who owns the budget?
Gig workers/merchants (Advance); platforms and fintech lenders (Embed, DaaS); DeFi investors.
Trigger: what makes them buy now?
Earnings trapped for days or weeks in platform payouts, subscriptions or invoices.
Workflow: what inputs become what output?
Advance turns future platform payouts into cash today; Embed puts capital inside partner products; DaaS provides programmatic interest-only capital; tokenized receivables sold via DeFi and exchange.
Economics: what it saves and how it charges
UnverifiedEarns fees/yield on advanced receivables; funds them with investors buying tokenized receivables (sivoUSD).
Distribution: how it reaches customers
APIs and MCP integrations for platforms, plus direct sign-up, waitlist and meetings.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Winter 2021 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.