The financial world is undergoing a revolutionary transformation. In the traditional financial system, payrolls and invoices have always been seen as symbols of credit. Today, in the world of Crypto Assets, these documents are becoming important support for on-chain lending.

This innovation is awakening a long-neglected massive market—the revaluation of real-world cash flows worth up to $30 trillion on the blockchain.

The core concept is derived from the Time Value of Money (TVM) model, which allows for the early monetization of future income. Whether it's the service fees that freelancers are about to receive, accounts receivable for businesses, or remittances from cross-border workers, these assets that were once difficult to access in the crypto financial space can now be quickly converted into usable liquidity through smart contract analysis.

What is even more striking is that this new type of financial service does not require users to pledge cryptocurrencies such as Bitcoin or Ethereum, greatly lowering the usage threshold for ordinary users and making crypto financial services more accessible.

As of July 2025, this innovative financial model has processed up to $4.4 billion in transaction volume. Several top investment institutions have also shown strong interest, collectively investing $38 million in funding support.

This emerging financial model is not just a simple lending service; it is building a bridge connecting real-world income with the Crypto Assets economy. By integrating payment and financing functions, this innovation is reshaping our understanding of financial services and paving the way for the future financial ecosystem.

With the continuous introduction of innovative technologies such as cross-chain functions and automated yield farming, the influence of this financial model is expected to expand further, providing convenience to more users while driving the entire encryption financial industry forward.