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Yes. Manteia uses Zero-Knowledge (ZK) technology usually circom circuits. Your sensitive data (customer lists, transaction details) is processed locally on your device or server. Only the proof of your revenue metrics (e.g., “Avg MRR > $50k”) is sent to the blockchain. The raw data never leaves your control.
Commercial financing carries risk. Manteia mitigates this through:
  1. Smart Splits: Revenue is diverted at the source (payment processor level) to the repayment contract before it reaches the borrower.
  2. Over-collateralization: Loans are issued against a discount of future revenue.
  3. Legal Enforcement: In worst-case scenarios, the off-chain legal framework (tied to the NFT issuance) empowers the protocol DAO to pursue recovery.
Yield is generated from two sources:
  1. Loan Interest: Borrowers pay a fee for accessing capital (the “Factoring Fee”).
  2. Base Yield: Idle capital in the Lending Vault is deployed into safe RWA strategies (e.g., Ondo USDY) to ensure capital is always productive.
The FlowNFT is the financial instrument representing the loan. It gives the holder the right to claim the repayment stream. These NFTs can be traded, collateralized, or held to maturity.