Sivo

Debt funding for Fintechs - lend money to users at scale

22 followers

Sivo provides debt as a service. Our API allows companies to access debt funding and lend money to their users at scale. Sivo is backed by Y Combinator (W21).

This is the 2nd launch from Sivo. View more

Yield-as-a-Service

Earn up to 5.5% APY on your excess cash
Yield-as-a-Service was ranked #5 of the day for March 10th, 2022
Yield-as-a-Service enables businesses to earn up to 5.5% to enrich their balance sheet extending cash runway or attract & retain users with interest bearing savings or rewards, like cash back.
Yield-as-a-Service gallery image
Yield-as-a-Service gallery image
Launch tags:
Productivityโ€ขFintechโ€ขTech
Launch Team

What do you think? โ€ฆ

Kate Hiscox
Heya PH fam! ๐Ÿ‘‹ ๐Ÿคฉ Earn up to 5.5% APY to extend your runway or attract and retain users ๐Ÿค“ Unlocked, 6 month and 12 month yield options (unlocked = 3.5% APY) ๐ŸŒŸ Zero notice to withdraw (unlocked option) ๐Ÿงก Extra 0.5% for YC fam Weโ€™re YC-backed Sivo and we were tired of earning less than 1% on our excess cash. We saw an opportunity to help our customers earn up to 5.5% APY ๐Ÿคฏ to extend their runway or pass along what they earn to their users as interest or rewards, like cashback. **How does it work?** โœ… Sign up โœ… Choose a Yield product โœ… Deposit funds โœ… Earn interest โœ… Build automated deposit and disbursement flows on top of our API or Zapier ๐Ÿš€ **Common questions** 1. Do I need to give notice to withdraw my funds? ๐Ÿค” No you donโ€™t. Our no muss, no fuss instant access product pays 3.5% APY and lets you withdraw whenever you need cash. 2. Which currencies do you support? ๐Ÿค” You can deposit any type of currency but it will be flipped to USD upon arrival. When you withdraw, youโ€™ll get USD back (unless your local bank converts it). 3. Is this product available to consumers and businesses? ๐Ÿค” Today, just businesses with a US entity in their corp stack. 4. Are my funds insured like a bank (FDIC)? ๐Ÿค” As with other yield products like Brex Money Market or bonds, these deposits aren't insured. And by the way, your bank account covers you for $250K so chances are as a business with excess cash, you aren't fully insured. 5. How can you pay out 5.5% APY? ๐Ÿค” Sivo funds some of the greatest fintechs on the planet, backed by visionaries like Y Combinator. These companies are doing all sorts of cool things from providing virtual private label store cards... to small and mid-sized retailers to building backyard rental homes. Right?! The success of these fintechs provides the yield to you. In a nutshell, you're funding loan programs at some of the most innovative (and well-funded) companies in the world. **Getting started** Getting started is easy. Head over to https://www.sivo.com/yield and sign up or hit up our live chat to book a meeting (weโ€™re nice!) ๐Ÿ˜Š
Gio
cool feature
Kate Hiscox
@gio3 thanks!
Andrew Yates
Cool, thanks Kate!
Kate Hiscox
@andrew_yates thank you!

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