Inkwell Revenue Marketplace Overview

CONFIDENTIAL & PROPRIETARY © 2025 Inkwell Finance, Inc. All Rights Reserved. This document is for informational purposes only and does not constitute legal, tax, or investment advice, nor an offer to sell or a solicitation to buy any security or other financial instrument. Any examples, structures, or flows described here are design intent only and may change.

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What is Inkwell Revenue Marketplace?

Inkwell Revenue Marketplace is a cross-chain marketplace and infrastructure layer for revenue-informed, fixed-cap loans, coordinated on Sui and secured by Ika 2PC-MPC dWallets. Instead of giving up equity or taking on traditional debt, you raise capital from accredited and institutional lenders through the marketplace. They fund your loan based on your performance data, and you repay up to a fixed maximum amount—no equity dilution, no perpetual revenue shares, no board seats, and Inkwell itself never lends from its own balance sheet.

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Who is it for?

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Why Revenue-Based Financing?

Traditional funding options often come with major tradeoffs:

• Equity financing - Give up ownership and control
• Bank loans - Require collateral, personal guarantees, and rigid payment schedules
• Venture debt - Expensive and often comes with warrants (equity kickers)

Revenue-based financing is different:

• ✅ No equity dilution - You keep 100% ownership
• ✅ No personal guarantees - The loan is based on your business performance
• ✅ Flexible repayment - Payments can scale with your revenue
• ✅ Fixed cap - Once you hit the repayment cap (e.g., 1.3x of what you borrowed), you’re done
• ✅ Fast approval - Especially for on-chain revenue (under 3 minutes)

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How It Works

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What if I fall behind?

If your revenue drops and you can’t make payments:

• The protocol surfaces your status to lenders
• Depending on your loan terms, you may have options like:
  • Restructuring - adjust the payment schedule
  • Collateral - if you provided on-chain collateral, it may be used
  • Workout terms - negotiate with lenders

The key difference from traditional loans: if your revenue is lower, your payments are lower (or zero). You’re not forced into bankruptcy over a fixed payment schedule.

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Loan Options

Inkwell offers several types of loans to fit different needs. All are fixed-cap debt - you never give up equity or perpetual revenue shares.

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Standard Loan Templates

Choose from pre-set terms for fast approval:

• 1.2x cap / 12 months - Lower cost, shorter term
• 1.3x cap / 18 months - Balanced option
• 1.5x cap / 24 months - More capital, longer to repay

Example: Borrow $100k at 1.3x cap = you repay maximum $130k total, then you’re done.

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Single Lender vs. Multiple Lenders

Single Lender:

• One institution funds your entire loan
• Best for larger deals
• Simpler structure

Multiple Lenders (Syndicated):

• Multiple lenders split your loan
• Each gets a proportional share of repayments
• Helps you reach your target amount faster
• All lenders share the same terms and cap

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Streaming Repayments (On-Chain Revenue Only)

If you have on-chain revenue (protocol fees, token royalties, etc.):

• Repayments happen automatically in real-time
• Uses Superfluid or Sablier streaming protocols
• Much lower default rates than traditional monthly payments
• No manual payment processing

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With or Without Collateral

Unsecured:

• No collateral required
• Based purely on your revenue history
• Higher interest/cap

Secured:

• Provide on-chain collateral (tokens, LP positions, etc.)
• Lower interest/cap
• Collateral is returned when loan is fully repaid
• If you default, collateral may be used to repay lenders

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Advanced Options (Coming Later)

Tranched Deals:

• Your loan is split into “senior” and “junior” tranches
• Senior lenders get paid first (lower risk, lower return)
• Junior lenders get paid second (higher risk, higher return)
• Helps attract more capital at different risk levels

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What We Don’t Offer

To keep things simple and compliant, Inkwell never offers:

• ❌ Perpetual revenue shares - All loans have a fixed cap
• ❌ Equity or ownership - You keep 100% of your business
• ❌ Governance rights for lenders - Lenders can’t vote or control your business
• ❌ Pooled funds across borrowers - Each loan is separate

Bottom line: You’re borrowing money and paying it back with a cap. That’s it.

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Why Inkwell for On-Chain Revenue?

If you have on-chain revenue (protocol fees, token royalties, NFT sales, etc.), Inkwell offers unique advantages:

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Instant Verification

• Your revenue is already on the blockchain - no need to share private financial data
• Lenders can verify your revenue instantly
• Approval in under 3 minutes for on-chain revenue

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Real-Time Streaming Repayments

• Payments happen automatically as you earn revenue
• No manual payment processing
• Lower default rates = better terms for you

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DeFi Composability

• Your loan position can be used as collateral in other DeFi protocols
• Lenders can trade positions on secondary markets (accredited investors only)
• Everything is transparent and on-chain

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Built for the Future

• Native support for AI agent treasuries
• Works with autonomous on-chain businesses
• Designed for the next generation of internet businesses
• Powered by Sui Move + Ika 2PC-MPC dWallets for non-custodial, cross-chain enforcement

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Who Can Use Inkwell?

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Borrowers

On-Chain Businesses:

• DeFi protocols with fee revenue
• NFT projects with royalty streams
• On-chain creators earning in crypto
• AI agent treasuries
• On-chain gaming economies
• Benefit: Instant approval (under 3 minutes), automatic streaming repayments

Off-Chain Businesses:

• SaaS companies with subscription revenue
• E-commerce businesses
• Marketplaces with transaction fees
• Any business with measurable recurring revenue
• Benefit: Non-dilutive capital, flexible repayment based on revenue

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Lenders

Who can lend:

• Accredited investors
• Institutional capital providers
• Crypto credit funds
• DAOs with treasury capital
• Family offices

What you get:

• Fixed-cap debt returns (not equity)
• Transparent, on-chain loan tracking
• Choose your own risk/return profile
• Optional liquidity via secondary marketplace (accredited only)

How this works with Inkwell: Inkwell operates the marketplace and the smart-contract / legal rails, while lenders provide the capital and take on the credit exposure. Inkwell itself never runs a lending balance sheet.

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How Revenue is Verified

On-Chain Revenue:

• Automatically verified via blockchain data
• No manual data sharing required
• Public and permissionless - anyone can verify
• Real-time updates

Off-Chain Revenue:

• Connect your accounting software or payment processor
• Provide attestations from trusted data providers
• Share only what’s needed for underwriting
• Keep sensitive business data private

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Roadmap

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Phase 0: Launch (Now)

Core marketplace features:

• Standardized loan templates (1.2x, 1.3x, 1.5x caps)
• Support for on-chain and off-chain revenue
• Single lender and multi-lender (syndicated) deals
• Streaming repayments for on-chain revenue
• Optional collateral

Focus:

• Simple, clear UX
• Compliance-first design
• Proven loan structures

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Phase 1: Secondary Marketplace (Coming Soon)

For lenders: Ability to sell your loan positions to other accredited investors

• Whitelisted transfers (accredited investors only)
• Private order book for matching buyers and sellers
• Instant liquidity for senior tranches
• All on-chain and transparent

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Phase 2: Embedded Finance (Coming Later)

For on-chain businesses: Instant, automated lending integrated directly into your platform

• Apply and get approved in under 3 minutes
• Automatic revenue verification via blockchain data
• Real-time streaming repayments
• Built for crypto protocols, NFT projects, on-chain creators, AI agents, and on-chain gaming

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Future Features

More loan options:

• Flexible term structures
• More risk tiers and pricing options
• Cross-chain support

Better tools:

• Integrations with accounting and analytics tools
• Automated reporting and reconciliation
• Inkwell Revenue Durability Score (IRDS) – standardized scoring of revenue durability for better pricing and guardrails

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Safety & Transparency

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For Borrowers

You’re protected:

• Fixed cap - You’ll never pay more than the agreed maximum
• No equity dilution - You keep 100% ownership
• Flexible payments - Payments scale with your revenue
• Clear terms - Everything is defined upfront and enforced on-chain

If your revenue drops:

• Your payments drop (or pause) automatically
• You’re not forced into bankruptcy over fixed payments
• You have time to recover or restructure

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For Lenders

You’re protected:

• On-chain enforcement - Repayment caps and terms are encoded in smart contracts
• Transparent tracking - See loan status, payments, and balances in real-time
• No perpetual claims - Once the cap is reached, the loan is done
• Collateral options - Some loans include on-chain collateral

Risk management:

• Choose your own risk/return profile
• Diversify across multiple borrowers
• Access to revenue history and performance data

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Protocol Safeguards

• Compliance-first design - Structured as debt, not securities
• Configurable guardrails - Maximum caps, terms, and borrower types
• Conservative approach - Focus on safety over maximum leverage

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Get Started

Ready to explore revenue-based financing?

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Legal Disclaimer

This overview describes product design intent only and does not constitute legal, tax, or investment advice. Inkwell loans are structured as debt obligations with fixed repayment caps, not investment contracts or securities. However, the legal treatment of any specific loan depends on facts, circumstances, and applicable law in your jurisdiction. Always consult your own legal, tax, and financial advisors before borrowing or lending through the protocol.