attnCredit - Revenue-Backed Credit for Onchain Businesses
attnCredit helps onchain businesses turn routed revenue into working capital. Think YouLend-style revenue financing, rebuilt for onchain businesses with programmable repayment rails and onchain-verifiable controls.
What this is
attnCredit is a revolving credit and control system designed to do two things at once:
- give businesses faster access to capital against observable cashflows,
- keep lender risk bounded with deterministic controls and monitoring.
Product system
- Foundation rail (Squads v4): built on Squads v4 multisig rails for custody, timelocks, and spending controls.
- Money-routing and permissions rules (control plane): defines where revenue goes, who can approve key changes, and which timelock/spending guardrails apply.
- Limit and pricing logic (credit engine): adjusts borrowing capacity as cashflow changes and applies policy-based pricing bands.
- Repayment operations (servicing engine): runs repayment-first sweeps, mandatory paydown checks, and freeze/default handling.
- Audit and operating evidence (monitoring and tape): keeps loan-level reporting, reconciliations, event logs, and incident history.
Operating lanes (separated by design)
- Pump lane (proving ground): higher-volatility revenue advances and lines with tighter caps and stricter automation.
- Settlement lane (institutional path): conservative settlement liquidity revolvers with institutional reporting expectations.
- No early commingling: lane-specific risk boxes and separate credit pools.
Lifecycle (from setup to servicing)
- Set up routed revenue controls and signer posture.
- Verify enforceability posture before activation.
- Activate facility with policy-bound parameters.
- Run continuous servicing and repayment-first cashflow handling.
- Monitor for weakening signals and trigger freeze workflows when required.
Why this sequencing
- Pump lane generates operating proof quickly.
- The same control rails can then support lower-volatility settlement flows.
- Servicing history and incident discipline improve long-term financeability.
Governance and risk policy
Governance scope centers on:
- pool-level exposure caps,
- parameter bands for limits and throttles,
- reserve and loss-allocation policy,
- reporting standards and incident discipline.
Roadmap shape
- Scale Pump lane with strict controls and bounded exposure.
- Build repeatable servicing tape and incident response evidence.
- Expand settlement lane with separate capital and reporting standards.
- Add allocator layer only after independent credit pools are proven.
Next actions
What to do next