SME Credit Line Tokenization

Overview

Asset.Haus structured a tokenized SME credit facility backed by receivables, featuring significantly reduced lock-up periods and secondary market access through compliant transfer controls, powered by a proprietary SME credit assessment framework.

Challenge

A credit fund sought to tokenize their SME lending facility. Requirements included:

• Receivables-backed collateral structure
• Reduced lock-up periods vs traditional private credit
• Secondary market for investor liquidity
• Automated payments tied to receivables collection

Solution

Credit Structure

BVI SPV
    ↓
SME Receivables Pool
    ↓
Tokenized Debt Notes (ERC-1400)
    ↓
├── Primary Distribution
└── Secondary Market (Compliant Transfers)

Compliance Framework

Key Features

• Receivables-backed collateral provides security
• Reduced lock-up improves investor liquidity
• Secondary market via compliant transfer controls
• Proprietary credit assessment for SME evaluation

Results