sivoUSDX, issued by Sivo, is a tokenized real-world receivables product that provides economic exposure to short-duration, collateral-backed advances tied to future payouts across the gig economy, brought onchain as a yield-bearing token [S1][S2].

Holders receive economic exposure to a pool of short-duration receivables described as tokenized micro-term receivables backed by collateral and deterministic payment flows [S1][S2]. The product references advances tied to future payouts across the multi-billion-dollar gig economy, with returns described as liquid, market-leading returns [S1]. SVO tokenholders may stake their tokens to boost returns across Sivo DeFi while participating in governance, with SVO total supply capped at 800 million tokens [S2].

Sivo is a capital innovator backed by Y Combinator and operating globally [S3]. The token's economic substance is presented as tokenized micro-term receivables backed by collateral and deterministic payment flows [S1], representing advances tied to future payouts brought onchain [S2]. Participants can purchase SVO using popular stablecoins or fiat [S2]. For Sivo's separate Debt-as-a-Service borrower onboarding, both KYC and Know Your Business verification apply, distinguishing U.S. persons from non-U.S. persons and requiring identity documentation and, for entities, certificate of incorporation, EIN confirmation, company legal structure, and website [S4].

Sivo Exchange smart contracts, wallet integrations, and settlement flows are tested on the Base blockchain, and the exchange is built with Nasdaq and Solana, naming Base and Solana as supported networks [S2]. Participants purchase using popular stablecoins or fiat and may stake holdings to boost returns [S2].

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  retrievedAt="2026-06-23"
  items={[
    { id: "S1", url: "https://www.sivo.com/" },
    { id: "S2", url: "https://www.sivo.com/exchange" },
    { id: "S3", url: "https://www.sivo.com/about-us" },
    { id: "S4", url: "https://community.sivo.com/en/articles/8472736-verification" },
  ]}
/>


Tokenized funds

Sivo originates short-duration, collateral-backed receivables — cash advances against delayed payouts across the gig and SMB economy — and tokenizes them as the yield-bearing sivoUSDX token on Ethereum.

Sivo is a tokenized private-credit issuer. Its sivoUSDX token provides on-chain exposure to a pool of short-duration real-world receivables, with NAV appreciation driven by the underlying credit.

Sivo (operating as Headless Finance) is a Y Combinator-backed debt-as-a-service platform providing programmatic lending and capital infrastructure for fintechs, gig workers and merchants.

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Real-world asset (RWA) issuers

Sivo

Sivo USDX (sivoUSDX) is a tokenized fund share issued by Sivo.

Holders can mint and redeem directly with Sivo, and have a right to redeem at net asset value.

sivoUSDX has been issued on Ethereum as an ERC-20 token since April 2026.

Sivo USDXsivoUSDX

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