Track: RWA-Backed Stablecoin & Commodity Vaults
Turning Amazon receivables into on-chain Real World Assets — daily cash flow for sellers, sustainable yield for DeFi.
E-commerce is the lifeblood of the internet. Amazon alone processes $700B+ in annual GMV across millions of third-party sellers. But there's an antiquated friction choking the growth of every single one of them:
Amazon holds seller funds for 7–21 days.
In practice, 21 days is the norm. A seller ships product on Day 1, the customer receives it on Day 5, Amazon confirms delivery on Day 7, and the seller might see their money by Day 21. For a business that needs to restock inventory, pay suppliers, and fund advertising today, this is a death sentence to growth.
This isn't a niche problem — it's systemic. Millions of Amazon sellers worldwide are trapped in a perpetual cash flow crunch, waiting on settlement cycles designed for Amazon's benefit, not theirs.
eComYield is a Solana-based Real World Asset (RWA) liquidity protocol that eliminates the Amazon payout delay entirely.
We connect directly to Amazon Seller Central via the Amazon SP-API, pull verified sales and cash flow data in real time, and advance sellers up to 80% of their daily net sales — funded by a decentralized USDC liquidity pool on Solana.
No more waiting 21 days. No more begging a bank for a credit line. Sellers get cash daily, and Web3 investors earn real yield backed by verifiable e-commerce receivables.
┌─────────────────┐ SP-API Data ┌──────────────────┐
│ Amazon Seller │ ──────────────────► │ eComYield │
│ Central Account │ │ Verification │
└─────────────────┘ │ Engine │
└───────┬──────────┘
│
Verified Net Sales
│
▼
┌─────────────────┐ Daily USDC Advance ┌──────────────────┐
│ Amazon Seller │ ◄──────────────────── │ Solana RWA Pool │
│ (Gets Paid Now) │ │ (USDC Vault) │
└─────────────────┘ └───────┬──────────┘
│
▲
┌─────────────────┐ Amazon Settles (14-21d) │
│ Virtual Bank │ ─────────────────────────────►│
│ (Nomad AI) │ Auto-Repayment + Fees │
└─────────────────┘ ┌───────┴──────────┐
│ LP Depositors │
│ Earn 24-48% APR │
└──────────────────┘
For the Amazon Seller:
- Connect — Seller links their Amazon Seller Central account. We pull gross sales, marketplace fees, refunds, and net revenue via SP-API.
- KYC by Default — Because we're ingesting verified Amazon data tied to a real business with a real transaction history, the seller is inherently KYC'd. No separate identity verification circus.
- Virtual Bank Setup — Via our integration with Nomad AI, we spin up a dedicated virtual receiving bank account for the seller.
- Reroute Payouts — The seller updates their Amazon deposit method to the Nomad AI virtual account.
- Get Paid Daily — As daily sales are verified, the seller receives 80% of their daily net sales as a USDC advance (or off-ramped to fiat), minus a flat 2% daily fee on the cash forwarded. The remaining 20% is withheld by the protocol as a repayment buffer.
- Auto-Repayment — When Amazon settles the payout (14–21 days later) to the virtual bank account, the principal is repaid to the Solana pool. The 2% fee (extracted from the withheld 20%) flows to LPs as yield, and the remaining balance of the 20% is released back to the seller.
For the Web3 Investor (LP):
- Connect a Solana wallet (Phantom, Backpack, etc.).
- Deposit USDC into the eComYield RWA Vault.
- Earn 24–48%+ APR — real yield generated by e-commerce advance fees, not inflationary token emissions.
Our revenue model is simple, transparent, and battle-tested in TradFi e-commerce financing:
| Parameter | Value |
|---|---|
| Fee Structure | 2% daily fee on each day's cash forwarded |
| Max Daily Advance | 80% of verified daily net sales |
| Withholding | 20% withheld as repayment buffer |
| Net Sales Definition | Gross Sales − Marketplace Fees − Refunds |
| Repayment Source | Withheld 20% — released when Amazon settles (14–21 days) |
| No Interest | This is a receivables advance, not a loan |
| No Subscription | Sellers pay only when they use the service |
Seller's Daily Net Sales: $10,000
├── 80% Advanced to Seller: $8,000
│ └── 2% Fee Deducted: -$160
│ └── Seller Receives: $7,840
└── 20% Withheld by Protocol: $2,000 ← repayment buffer
When Amazon Settles (14–21 days later):
├── Pool Repaid (principal): $8,000 ← back to USDC vault
├── Fee to LPs (yield): $160 ← from withheld 20%
└── Remainder to Seller: $1,840 ← released to seller
| Metric | Value |
|---|---|
| Seller's Daily Net Sales | $10,000 |
| Daily Advance (80%) | $8,000 |
| Daily Fee (2% of cash forwarded) | $160 |
| Seller Receives (net of fee) | $7,840 |
| Withheld by Protocol (20%) | $2,000 |
| Amazon Settlement Period | ~21 days |
| Fee Revenue per Settlement Cycle | $160 × 21 = $3,360 |
| Capital Deployed (running balance) | $8,000 × 21 = $168,000 |
The 2% daily fee on each advance compounds into significant annualized returns for liquidity providers:
- Each dollar forwarded earns a 2% fee, with principal repaid when Amazon settles in 14–21 days
- The withheld 20% acts as both the repayment buffer and the fee extraction layer — LPs are repaid from the Amazon settlement, with fees carved from the withheld portion
- Capital turns over ~17 times per year (365 ÷ 21 days)
- 2% return per turn × 17 turns/year = ~34% gross APR on deployed capital
- With faster settlement cycles (14 days), gross APR reaches ~52%
- After protocol fees and reserves, LPs can realistically earn 24–48%+ APR
- This is real yield — generated by actual commerce, not token inflation
Every advance we issue is backed by a verified Amazon receivable — money that Amazon contractually owes the seller and will pay out within 14–21 days. This is:
- Verifiable — We pull real-time data from the Amazon SP-API. Every dollar advanced corresponds to a confirmed, shipped order.
- Short-Duration — Receivables mature in 14–21 days. This is not illiquid real estate or long-dated bonds. Capital cycles rapidly.
- Low Default Risk — Amazon is the counterparty. They will pay the seller. The risk isn't if they pay, it's when. Our 80% advance cap means we always withhold 20% as a repayment buffer — covering refunds, chargebacks, and edge cases while ensuring the pool is made whole.
- KYC-Native — Sellers are verified through Amazon's own ecosystem. We have full visibility into their sales history, account health, and performance metrics.
- Uncorrelated — E-commerce receivables have zero correlation to crypto market volatility. When BTC dumps 30%, people are still buying products on Amazon.
The e-commerce cash advance space is validated but stuck in TradFi:
| Company | Model | Funding Source | Settlement Speed | Web3 |
|---|---|---|---|---|
| Storfund | Daily advance, ~80% of sales | Own balance sheet (TradFi) | Next-day | ❌ |
| Payability | Daily advance, ~80% of sales | Institutional capital | Next-day | ❌ |
| SellersFunding | Loans & advances | Bank credit facilities | 1–3 business days | ❌ |
| eComYield | Daily advance, 80% of net sales | Solana USDC Pool | Same-day, 24/7 | ✅ |
1. 24/7/365 Settlement — No Banking Hours Traditional competitors operate on a 9-to-5 banking schedule with 1–3 business day ACH transfers. eComYield settles on Solana — sub-second finality, any time, any day. Sellers don't wait for bank wires. They get USDC instantly.
2. Global by Default Solana doesn't care about borders. A seller in Germany, Japan, or Brazil gets the same instant advance as one in the US. TradFi competitors are constrained by regional banking rails.
3. Transparent, On-Chain Yield Every advance, repayment, and fee is recorded on-chain. LPs can audit the pool in real time. No opaque balance sheets or trust-me-bro financials.
4. DeFi Capital Efficiency Instead of raising expensive institutional debt or using a corporate balance sheet (like Storfund), we tap into the $150B+ DeFi liquidity market where capital providers are actively seeking yield. This gives us a lower cost of capital and the ability to scale faster.
5. Better Rates for Sellers Our 2% daily fee on cash forwarded is competitive with Payability (1–2% flat) and significantly cheaper than SellersFunding (15–24% APR). Because our cost of capital is lower (DeFi vs. TradFi credit facilities), we can pass savings to sellers while still delivering outsized yield to LPs.
| Risk | Mitigation |
|---|---|
| Seller Default / Refunds | 80% max advance cap means 20% is always withheld as the repayment buffer. Pool principal is repaid from Amazon settlement; fees extracted from the withheld portion. Real-time SP-API monitoring flags abnormal refund rates. |
| Amazon Account Suspension | Continuous account health monitoring. Advances throttled or paused if seller metrics degrade. |
| Smart Contract Risk | Anchor-based contracts on Solana. Audited. Admin pause functionality for emergencies. |
| Liquidity Risk | Pool reserves maintained. Withdrawal cooldowns prevent bank runs. Advance limits tied to pool TVL. |
| Regulatory | Receivables factoring (not lending) — lighter regulatory burden. KYC inherent via Amazon data. Compliance-first architecture. |
- RWA Vault Contract (Anchor/Rust) — Manages USDC deposits, withdrawals, advance disbursements, and repayment inflows
- Yield Distribution — Programmatic fee routing to LP depositors based on pool share
- Receivable NFTs (Optional) — Each advance minted as a tokenized receivable for on-chain transparency
- Amazon SP-API Integration — Real-time ingestion of gross sales, fees, refunds, and net revenue
- Nomad AI Banking — Virtual bank account provisioning and fiat settlement rails
- Risk Engine — Monitors seller health metrics, enforces advance caps, and triggers auto-repayment
- Frontend: Next.js (App Router) + shadcn/ui
- Runtime: Bun
- Blockchain: Solana (Anchor framework)
- Stablecoin: USDC (SPL Token)
- Banking: Nomad AI
- Data: Amazon Selling Partner API (SP-API)
- Sub-second finality — Sellers get advances in seconds, not days
- < $0.01 transaction costs — Micro-advances are economically viable
- USDC native support — Deep USDC liquidity on Solana
- Institutional momentum — Solana is the chain institutions are building on (Visa, PayPal, Franklin Templeton)
- Composability — Future integrations with Solana DeFi (Marinade, Jupiter, etc.) for LP yield stacking
- 9.7M+ active Amazon third-party sellers worldwide
- $500B+ in annual third-party seller GMV on Amazon alone
- ~$400B locked up at any given time in Amazon's settlement pipeline
- E-commerce financing is a $150B+ TAM growing 15% YoY
- DeFi TVL is $150B+ with investors actively seeking real-world yield
eComYield sits at the intersection of two massive, hungry markets: sellers who need cash now and investors who need sustainable yield.
- Product design & business model
- Solana RWA Vault smart contract (deposit, withdraw, advance, repay)
- Amazon SP-API integration (mock + live sandbox)
- Nomad AI virtual bank provisioning
- Dual-sided dashboard (Seller view + LP view)
- Wallet connection & USDC deposit flow
- Multi-marketplace expansion (Walmart, Shopify, eBay)
- Institutional LP onboarding
- Receivable tokenization & secondary market
- Credit scoring engine for dynamic advance rates
- Mobile app for seller cash flow management
eComYield — Built by operators who understand both e-commerce and DeFi.
- GitHub: github.com/open-biz/eComYield
- Inspiration: storfund.com
eComYield: Where Amazon receivables meet Solana yield. Real commerce. Real assets. Real yield.