Real Emerging Credit.Global Yield.
No Over-Collateral.

Undercollateralized RWA lending powered by Bitkub Chain & Creditcoin. SEA businesses get fair loans. Global investors earn real yield.

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The Problem

SEA SME credit is broken.
Global yield is trapped.

SEA SMEs Are Locked Out

Traditional banks require 100–150% collateral. Farmers, exporters, and small businesses can't access working capital at fair rates.

Global Investors Miss Real Yield

DeFi users seek 8–15%+ real yield but lack access to SEA credit markets — the world's 4th largest economy.

High Rates, Low Transparency

Informal lending across SEA charges 20–36% APR. No on-chain credit history. No transparency.

Fragmented Markets

SEA SME credit is siloed. Global capital can't reach regional borrowers.

How It Works

From invoice to yield in 4 steps.

01

SEA Business Uploads Invoice

SEA business submits an invoice, purchase order, or receivables document for credit review.

02

Credit Scored on Creditcoin

Credal platform analyzes the SME's on-chain credit history and assigns a risk profile — no collateral required.

03

Undercollateralized Loan Issued

A $50,000 invoice can unlock $25,000–$30,000 in financing at 40–60% LTV on Bitkub Chain. Business receives THB or USDC.

04

Global Lenders Earn Yield

Global investors on Creditcoin provide capital and earn 8–15%+ APY. Repayments update the SME's on-chain credit score.

Benefits

Built for both sides of the market.

For SEA SMEs

  • No Over-Collateral

    Borrow at 40–60% LTV instead of 100–150%. Your invoice is your credit.

  • Lower Rates

    Access capital at 8–15% APR instead of informal lending at 20–36%.

  • Fast On-Chain Process

    Credit decisions in hours, not weeks. No branch visits required.

For Investors

  • 8–15%+ Real Yield

    Earn attractive risk-adjusted returns backed by real SEA SME invoices.

  • Bitkub Chain Native

    Seamless UX with THB ramps. Low fees. Fast finality.

  • On-Chain Transparency

    Full visibility into loan collateral, credit scores, and repayments.

Key Features

Infrastructure built for RWA lending.

Undercollateralized Loans

40–60% LTV. Borrow against invoices, not full collateral. Real credit, real assets.

40–60% LTV

On-Chain Credit History

Credit scores and attestations stored on Creditcoin. Build reputation with every repayment.

Credal Platform

Multi-Chain Reach

Origination on Bitkub Chain. Global liquidity pools on Creditcoin. The best of both ecosystems.

Bitkub + Creditcoin

Tranche Model

Senior/junior tranche structure for risk differentiation. Institutional-grade risk management.

Tranches

Rural Connectivity

Connectivity solutions for farmers and SMEs in underserved areas. Bridging the digital divide.

Rural Focus

THB Ramps

Native SEA currency on-ramps via Bitkub Chain. Seamless UX for regional users. No FX friction.

THB Native

Target TVL (Q1 2027)

SEA SME Pilot Partners

Target APY (Senior Tranche)

Avg. Loan Size

Creditcoin Hackathon 1st Prize

Partnerships in progress

BKBitkub
CTCreditcoin
FSFunding Societies

Roadmap

Q2 2026

Platform Alpha

Closed beta with 5 SEA SME partners

Q3 2026

Bitkub Integration

Live on Bitkub Chain mainnet

Q4 2026

Creditcoin Pools

Global liquidity pools open

Q1 2027

Full Launch

Public launch with $5M TVL target

Our Team

Built by credit veterans & DeFi natives.

WS

Wong Shen Yeo

Co-Founder & CEO

Former credit analyst at a leading Thai bank. Deep expertise in SEA SME lending and alternative credit scoring.

KC

Krittin Chuensart

Co-Founder & CTO

Full-stack engineer and blockchain researcher. Previously built DeFi protocols on Bitkub Chain and Ethereum.

PS

Dr. Panida S.

Advisor, Credit Markets

PhD in Financial Economics. Former risk manager at a Singapore private credit fund. Specializes in RWA credit structures.

Risk Management

How we protect lenders & borrowers.

Overcollateralization Buffers

All loans maintain 40–60% LTV. Invoices and receivables serve as primary collateral, with enforcement mechanisms via smart contracts.

Chainfinality & Settlement

Bitkub Chain provides ~3s finality for THB origination; Creditcoin handles cross-chain settlement. Oracle-verified invoice execution triggers automatic repayment logic.

Insurance & Legal Recourse

Loan agreements are structured as enforceable private credit contracts under Singapore law. We are exploring insurance partner integrations for smart contract tail-risk coverage.

FAQ

Questions? We have answers.

Unlike traditional DeFi where you must deposit 100–150% of the loan value as collateral, undercollateralized lending only requires 40–60% LTV (Loan-to-Value). Your invoice, purchase order, or receivables document serves as the credit basis — not full cash collateral.

SEA businesses with valid invoices, purchase orders, or receivables. We support farmers, exporters, manufacturers, and service businesses across Southeast Asia. Borrowers must pass a basic KYC/AML check and have their credit scored via the Creditcoin Credal platform.

Creditcoin is a Layer 1 blockchain purpose-built for real-world credit markets. Novara uses Creditcoin's Credal platform for credit scoring and attestation, and taps into Creditcoin's global liquidity pools for lender access. Bitkub Chain handles local THB origination.

Based on current Thai SME credit demand and our tranche structure, investors can target 8–15%+ APY. Actual yields depend on loan performance, tranche seniority, and risk allocation. All projections are indicative.

The platform is initially focused on SEA SME credit markets with Bitkub Chain as the primary origination layer. Global investors can participate through Creditcoin liquidity pools.

Novara Pte. Ltd. is incorporated in Singapore. We're building toward applicable compliance frameworks. Our loans are structured as private credit arrangements. Users are encouraged to conduct their own legal due diligence.

Click 'Join the Waitlist' above or scroll to the bottom of the page. Enter your email to be notified when we open for applications. SMEs can apply for early access, and investors can register interest for the Creditcoin liquidity pools.

All loans are overcollateralized by invoice/receivables at 40–60% LTV. The Credal platform stores credit attestations on-chain, and our tranche model (senior/junior) means lenders in senior tranches have first claim on repayments. All loans are structured as private credit agreements with enforceable terms.

Novara leverages Bitkub Chain's proof-of-stake consensus for fast finality (~3 seconds) on the origination layer, and Creditcoin's network for cross-chain settlement. Smart contracts are designed to enforce repayment logic automatically upon verification of invoice execution by oracles.

Get early access.

Join the waitlist to be first in line when we launch. SMEs and investors welcome.

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