Mint Your Future Income, Today
An innovative RWA lending protocol that converts future income into low-risk, on-chain assets via trusted oracles, unlocking instant liquidity for the global workforce.
Core Protocol Mechanism
SalaryFi simplifies complex financial processes, enabling any professional to easily convert future earnings into instant liquidity and take control of their financial destiny. The interactive flow below reveals its core operational principles.
Trusted Oracle Verification
Verifier validates income data
On-Chain Asset Minting
Mint your s-Token
Unlock Instant Liquidity
Deposit s-Token to borrow
Automated On-Chain Settlement
Auto-repay on payday
Step 1: Trusted Oracle Verification
Your employer provides authorized payroll data to the protocol through their partnered HR service provider (e.g., Smartdeer). These providers act as trusted oracles (Verifiers), verifying the authenticity and stability of your future income off-chain and generating an on-chain verifiable credential.
Step 2: On-Chain Asset Minting
With the credential from the Verifier, you can mint your future income into an s-Token on the SalaryFi protocol. This token represents legal ownership of a future cash flow. The entire process is driven by smart contracts, ensuring security and transparency.
Step 3: Unlock Instant Liquidity
Deposit your s-Token into the protocol's vault as collateral. The protocol's risk engine calculates a safe Loan-to-Value (LTV) ratio for you, allowing you to instantly borrow stablecoins from the liquidity pool to meet your financial needs.
Step 4: Automated On-Chain Settlement
On your payday, a portion of your salary is routed through the Verifier's payment gateway to automatically repay the loan and interest via smart contract. Once settled, your collateralized s-Token is burned or returned, completing the seamless cycle.
Ecosystem Architecture & Growth Flywheel
SalaryFi's trinity architecture ensures protocol security, transparency, and scalability. Our dual-engine growth model is designed to continuously energize the ecosystem.
The Trinity Ecosystem Architecture
Dual-Engine Growth Model
Engine 1: Bootstrap Phase
In the initial phase, Smartdeer acts as the pioneering Verifier, responsible for onboarding seed users and corporations to bootstrap the protocol. To reward this critical early contribution, Smartdeer will receive a significant, one-time token incentive from the Ecosystem Fund.
Engine 2: Expansion Phase
Once the protocol matures, Verifier node eligibility will open to more top-tier HR service providers (e.g., Deel, Remote). New Verifiers can earn continuous token incentives by bringing real business volume to the ecosystem. Incentives follow a contribution-first and time-decay model to encourage early participation.
Ecosystem Contributors & Value Capture
Every participant is a co-builder of the ecosystem, capturing their own unique value within it.
Professionals (Users)
Permissionlessly convert future income into instant cash flow, enjoying unprecedented financial flexibility.
Liquidity Providers (LPs)
Provide liquidity to pools backed by Real World Assets (RWA), earning stable, low-risk, and sustainable yields.
Corporations
Offer a cutting-edge fintech benefit to employees at zero cost, enhancing the employer's brand attractiveness.
Trusted Verifier Nodes
Bridge traditional business with Web3, expand service boundaries, and capture service fees and token incentives by validating real data for the protocol.
$SAL Holders / Governors
Participate in community governance by holding $SAL tokens and share in the ecosystem's growth through the protocol's value capture mechanisms (e.g., buyback & burn).
Tokenomics: $SAL
The $SAL token is the core asset that drives SalaryFi's decentralized governance, incentives, and value capture.
Core Token Information
Core Utilities
- ✔ **Governance:** Vote on key protocol parameters and future direction.
- ✔ **Staking:** Stake $SAL to share in protocol revenue.
- ✔ **Incentives:** Reward various participants for their contributions to the ecosystem.
Initial Token Allocation
*The Ecosystem Fund will be used for Verifier incentives, community growth, and liquidity bootstrapping.
Value Capture & Deflationary Engine
The protocol's net profit (primarily from interest rate spreads) will continuously empower the $SAL token. A portion of the profits will flow into the treasury to buy back and burn $SAL from the open market, reducing the circulating supply and creating a deflationary spiral that directly benefits all token holders.
STEP 1
Protocol Captures Profit
(Interest Spread)
STEP 2
Profits Enter Treasury
STEP 3
Market Buyback of $SAL
STEP 4
Token Burn
(Deflationary Supply)
Build the Next-Gen RWA Financial Primitive with Us
We are looking for early ecosystem co-builders, investors, and partners. Contact us now to become part of the SalaryFi network.
Contact [email protected]