The problem OnFlow Finance solves

OnFlow Finance is building a decentralized private credit marketplace where anyone can invest in growing local business using local stablecoins, earning fixed yield from borderless real-world impact.
We are tackling one of the most overlooked problems in the history of the global economy: the SME credit gap.
According to the World Bank, the annual credit gap stands at $5 trillion , leaving growing and impactful businesses vulnerable to cash flow challenges and unsustainable conditions.
Traditional finance doesn’t serve these businesses.
It imposes heavy collateral requirements, relies on slow and manual credit underwriting, and makes financing especially inaccessible in emerging markets.
Thanks to Base’s local currency movement, we can now remove the borders and limits in business finance.
Wherever you are, whenever you like, you can invest in local businesses through local currency denominated private credit vaults.
There are thousands of worthy, high-potential businesses that can turn your investment into fixed returns.
Despite all the promise of the RWA trend, it mostly remained focused on capital arbitrage for blue chips and privileged institutions.
It’s time to build something meaningful through tokenization of real-world assets.
We launched our early alpha last week after 3 months of development.
We’ve already reached 25 users on testnet and continue to grow.
We’ve been part of one of the most prestigious accelerators in Eurasia — İTÜ Çekirdek — and gained recognition across our region.
Within one week of our early alpha, we already have private credit demand lined up for the end of Q3.
We’re establishing operations in Estonia , the largest P2P market in Europe, with one of the most digitized SME infrastructures globally.
We’ve begun conversations with $1M+ revenue startups serving consumer bases, financing ongoing, revenue-generating businesses.
This is just the beginning.
We plan to expand into real estate development loans, invoice financing, and BNPL use cases through our private credit vault structure.
Base’s local currency movement allows us to serve diversified businesses operating across multiple emerging markets , offering financing and on/off ramps in their native currencies.
Our investor base is naturally expected to include traditional P2P lenders and Web3 DeFi investors , groups who’ve previously struggled with illiquidity, inefficient credit evaluations, and lack of passive investment options.
We’re still building to address these problems, nest up:
-Secondary markets on-chain to bring DeFi liquidity

• Deal Intelligence for automated smart underwriting, currently have demo on our website, not public yet but will be published its reports in future weeks
• 24-hour deals for businesses with integrated KYB providers and our evolving LLM AI
• Our credit vaults are ERC-4626 compliant, designed to support future auto-invest strategies so investors can passively earn fixed yield without missing opportunities.
  Base Smart Wallet support will help us deliver smooth onboarding, especially for traditional P2P users making it easy to invest transparently and securely within seconds, even for non-DeFi natives.
  We’re currently live on testnet as these vaults undergo further development and audit preparation.
We also maintain a demo vault on mainnet.
  This summer, we’re incorporating in Estonia, closing our pre-seed round, and completing audit and operational setups to launch the first real-world private credit vault by end of Q3 or early Q4.
  We’re a team of 4 , led by two economics majors, born degens , with a decentralized vision for the future of finance.
  We’re more than excited to unite borderless financing with the borderless movement of Base.
  Not internet capital markets it is onchain capital markets!

Challenges we ran into

While OnFlow’s testnet development is nearly complete, the timing hasn’t aligned for a full mainnet launch. We’ve only recently begun building presence, gaining traction, and reaching out to potential business partners. As a result, we’re not yet in a position to deploy real credit vaults on mainnet for demo purposes, especially without audit progress or verified real-world borrower entities.
Another key limitation has been our incapability to provide liquidity of local stablecoins on Base mainnet just yet. While our model relies on TRYB, BRL, and other region-specific assets, we’re currently unable to source or simulate sufficient liquidity for meaningful testing at this stage.
Similarly, although Base’s Smart Wallet will be a core part of our onboarding experience, we’ve held off on full integration for now. With only a few vaults live on testnet, the timing isn’t yet ideal to demonstrate features like auto-invest or wallet-based passive strategies. As we scale vault offerings and complete audit processes, we’ll be able to fully showcase how Smart Wallet and local stablecoins work together in our system.
Even though this product may not be the best suited for showcasing its full potential on testnet, we believe we’ve built a strong MVP that clearly demonstrates the core mechanics and long-term value of our model. More importantly, we haven’t limited our progress to technical development alone. One of the most significant areas of growth has been on the client and investor side. We have gained real traction among our target users. We have even started early-stage financing discussions with a business application that has over 1.5 million users and more than 2 million downloads
These challenges reflect timing more than feasibility ,and we’re structuring our roadmap to address them as we prepare for mainnet rollout in late Q3.
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In terms of traction, we’ve started with a strong foundation both technically and socially. On testnet, we’ve already onboarded 25 organic users through our own network and direct outreach, without paid campaigns or external marketing. However, we recognize that building a successful protocol requires more than strong beginnings. To fully realize our growth potential, we’ll need to scale our marketing efforts, grow our community, and strengthen visibility across P2P lending and DeFi ecosystems. We’re preparing to expand into larger-scale operations, partnerships, and public-facing channels in the near future.