Alpha is a crypto‑enabled lending platform that connects U.S. accredited investors directly with small businesses seeking loans. Investors purchase NFT‑backed loan notes on the Base blockchain, earning monthly interest payments—up to 23% APY—and can trade their positions 24/7, while businesses benefit from lower rates than traditional banks. The service vets borrowers for at least three years of cash‑flow‑positive operation and handles interest distribution via USDC airdrops.
Funding
Funding not disclosed
Founders
Product
Problem
U.S. small businesses often face high borrowing costs and limited access to capital because traditional banks dominate lending and impose strict qualification criteria. Accredited investors seeking higher-yield, alternative assets have limited transparent ways to directly fund these businesses.
Solution
Alpha provides a blockchain-based marketplace that connects U.S. accredited investors with vetted, cash‑flow‑positive small businesses seeking loans. Each loan is tokenized as an NFT representing a loan note, denominated in USDC on the Base network, allowing investors to purchase the note, receive monthly interest payments up to 23% APY, and trade the NFT on a 24/7 secondary market for instant liquidity. The platform conducts its own due diligence—verifying business age, cash flow, and management strength—to ensure loan quality. Interest and principal repayments are distributed via automated USDC airdrops, and secondary sales generate a 1% royalty for the originating business.
Target Audience
Primary customers are U.S. accredited investors looking for high‑yield, alternative fixed‑income assets, and small U.S. businesses seeking lower‑cost, direct financing.
Features
- Tokenized loan notes issued as NFTs on the Base blockchain, enabling fractional ownership and seamless transfer
- USDC‑denominated transactions for stable, instant settlement without fiat conversion delays
- Automated monthly interest distribution via on‑chain airdrops directly to investors’ wallets
- Continuous secondary market with 24/7 trading, providing liquidity that traditional private loans lack
- Proprietary vetting process assessing business longevity (3+ years), cash‑flow positivity, and management quality
- Built‑in royalty mechanism granting businesses 1% of each secondary sale to align incentives
- Compliance‑focused access limited to U.S. accredited investors, ensuring regulatory adherence