DeFi Ecosystem
Real-world yield,
on-chain liquidity
Paza Pools bring institutional-grade RWA yield into the DeFi ecosystem — giving verified investors access to mortgage-backed, hard-asset, and receivables yield without leaving the on-chain environment. Every pool is backed by a real asset, structured legally, and monitored by AI.
Three pools. Three asset classes. One liquidity layer.
Each Paza Pool is a permissioned DeFi liquidity pool backed by a specific RWA category. Verified investors deposit capital, receive pool tokens representing their share, and earn yield derived from the underlying real-world assets.
Pool 01
Mortgage-Backed Pool
Liquidity pool backed by PazaLabs mortgage tokenization tranches. Senior pool tokens offer priority yield; junior pool tokens offer higher yield with subordinated position.
Pool 02
Hard Asset Pool
Liquidity pool backed by tokenized real estate, ships, and industrial machinery. Investors earn income from rental revenue, charter fees, and asset appreciation distributions.
Pool 03
Receivables Pool
Evergreen pool backed by short-term receivables (BNPL, auto loans, MSME invoices). Continuous replenishment keeps duration and yield profile stable across market cycles.
How Paza Pools work
Where the yield comes from
Unlike synthetic yield strategies that depend on token emissions or circular DeFi loops, PazaLabs yield is derived entirely from cash flows generated by real-world assets — interest payments, rental income, and receivables repayments that exist and operate independent of crypto markets.
Mortgage Interest
Borrowers repay principal and interest on the pooled loans. Interest cash flows are distributed to pool participants per the waterfall structure.
Asset Income
Hard assets generate rental, charter, or utilization fees. These fees flow into the Trust and are distributed to token holders on a defined schedule.
Receivables Repayments
Short-term receivables mature and repay principal plus interest on short cycles (30-180 days). Repayments cycle back into the pool continuously.
No Token Emissions
There are no inflationary token rewards. All yield is real cash flow — not protocol incentives that dilute holders over time.
Risk Framework
Legal Isolation
Assets are held in bankruptcy-remote SPV/Trust structures. Pool capital is isolated from both PazaLabs' and the originator's credit risk.
Over-Collateralisation
Pools are structured with collateral buffers above the face value of pool tokens, providing a cushion against individual asset defaults.
AI Monitoring
The GenAI-RAG engine monitors pool performance and asset quality in real time — flagging deterioration signals before they materially affect pool returns.
Permissioned Participants
Only KYC-verified, accredited investors can participate. Transfer restrictions prevent pool tokens from reaching non-verified wallets.
Independent Valuation
Hard assets are independently valued periodically. Mortgage pool marks are based on underlying loan performance data updated on-chain.
Stake PAZA. Earn rewards. Shape the protocol.
PAZA stakers play an active role in the ecosystem — providing protocol security through economic alignment, earning a share of platform fees, and participating in governance votes on pool parameters, new asset class approvals, and protocol upgrades.
Fee Sharing
Stakers receive a proportional share of the platform fees generated by active Paza Pools — aligned with the protocol's growth in TVL and origination volume.
Governance Weight
Staked PAZA grants voting rights on protocol proposals: new pool parameters, asset class expansions, fee adjustments, and emergency measures.
Priority Access
High-staked participants gain early access to new pool allocations — particularly for over-subscribed institutional pools with limited capacity.
Multiplier Rewards
Longer staking lock-ups receive yield multipliers — incentivising long-term alignment between stakeholders and the protocol's asset-backed growth.
Liquidity Mining
PAZA stakers who provide liquidity in designated Paza Pools earn additional incentives on top of base pool yield, boosting total returns.
Slash Protection
Smart contract slashing is not used in PazaLabs' staking model — PAZA staking rewards are protocol fee shares, not emission-based, maintaining economic alignment without punitive risk.
Start earning real-world yield
Complete your investor verification and gain access to Paza Pools — institutional RWA yield on-chain.