Live on BOT Chain Mainnet

Local roots.
Global capital.

We put verified Nigerian invoices, agricultural equipment, and solar cash flows directly on-chain, and let global stablecoin liquidity fund them. No middlemen sitting between the harvest and the yield — just the asset, the pool, and the repayment.

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Assets registered
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ABOR total supply
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ABOR staked
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Ecosystem fee / repayment
What Arbor is

A financing layer between real African businesses and global stablecoin liquidity.

Productive SMEs, agricultural cooperatives, and renewable energy operators across Nigeria hold real assets and predictable future cash flows — outstanding invoices, equipment under contract, off-take agreements — but rarely get affordable access to institutional capital. Local lending, where it exists at all, is expensive, and collateral requirements are often unrealistic for a growing business.

Meanwhile, global stablecoin liquidity is hunting for yield tied to real economic activity instead of speculation, without the steep minimums and geographic gatekeeping of traditional private credit.

Arbor connects the two directly. A verified originator's asset gets registered on-chain with a cryptographic proof of its underlying documentation, financed through a dedicated pool that global investors can enter, and repaid through a waterfall anyone can inspect. Every cycle an originator completes builds a permanent on-chain credit record — a reputation that travels with them, not with any single lender.

Primary marketNigeria & Sub-Saharan Africa
Initial asset focusSME receivables & ag-assets
SettlementUSDT stablecoin
ArchitectureEVM-compatible, BOT Chain
Use cases

Four asset classes. One financing rail.

Every use case runs through the same registration, pooling, and repayment mechanics.

● Live now

SME invoice receivables

A Nigerian SME with a confirmed invoice from a creditworthy buyer registers it with an approved verifier. Once the assignment is executed, a pool opens and investors fund it directly — the SME gets working capital in days instead of months, without giving up equity or pledging property they don't have.

This is the asset class Arbor launched with, and the one carrying the full end-to-end lifecycle today: registration, funding, buyer settlement, and repayment.

Typical term
30–120 days
Settlement
USDT on repayment
Verification
Approved verifier + buyer confirmation
◐ Phase 2

Agricultural equipment leasing

Cooperatives and equipment operators finance tractors, processing machinery, and irrigation equipment against the lease payments those assets generate. IoT-backed usage and payment-history tracking layer directly onto the existing pool structure, so lenders can see the equipment is actually working, not idle.

Built for the seasonal, cash-flow-heavy reality of African agriculture rather than a generic amortization schedule.

Typical term
6–24 months
Tracking
IoT telematics + payment history
Status
Extending origination, Phase 2
◐ Phase 2

Solar mini-grid cash flows

Mini-grid operators finance panel installations and battery storage against metered off-take revenue from the households and businesses they serve. Repayment is tied to actual energy sold, so pool performance reflects real usage on the ground, not a projection.

Arrives alongside agricultural leasing as Arbor's second wave of asset classes.

Typical term
12–36 months
Revenue basis
Metered off-take payments
Status
Extending origination, Phase 2
◐ Planned

Trade & working capital

Broader short-term working capital for importers, distributors, and traders with verifiable purchase orders or off-take agreements — the same asset-backed structure as invoice financing, extended to a wider set of documented commercial obligations.

Opens up as verifier coverage and pool creation widen beyond the initial invoice-financing use case.

Typical term
30–90 days
Backing
Purchase orders / off-take agreements
Status
Planned, alongside pool creation rollout
Execution lifecycle

Five steps, from invoice to yield.

The exact sequence carried out on-chain for every financed asset — in this order, every time.

01

SME applies & verifies

The originator submits proof of their asset; an approved verifier confirms and registers it.

02

Legal assignment executed

Off-chain enforceable assignment secures the receivable or asset to the pool.

03

Pool minted & funded

A dedicated financing pool opens and becomes available to investor capital.

04

Buyer settlement received

Real-world repayment arrives and is distributed through the fee waterfall.

05

Yield paid, track record updated

Investors receive their share; the originator's credit passport updates permanently.

Roadmap

Where the protocol is, and where it's going.

Deliberately narrow scope first, widening as each phase proves out.

Phase 1
Live

Nigeria · Invoice receivables MVP

Single jurisdiction, single asset class, stablecoin settlement. Core contracts live on BOT Chain — asset registration, pool financing, repayment waterfall, and on-chain credit passport all functioning end-to-end.

Phase 2
Q4 2026

Permissionless pool creation opens

Verified SME partners will be able to create and manage their own financing pools directly, starting Q4 2026 — moving origination from a fully verifier-gated process toward self-serve pool creation for approved originators.

Phase 3
Planned

Agricultural & solar asset classes

Extend origination to agricultural equipment leases and solar mini-grid cash flows, with IoT-backed telematics and payment-history tracking layered onto the existing pool structure.

Phase 4
Planned

Independent security audit

Full third-party audit of ArborToken, ArborCore, ArborVault, and the pool token implementation ahead of scaling deposit volume.

Phase 5
Planned

Secondary liquidity & broader origination

Secondary market trading for pool participation units, additional verifier partners, and expansion beyond Nigeria to further Sub-Saharan African markets.

Validator program

Become an approved verifier for your market.

Verifiers register assets and keep every credit passport honest.

SME partners: apply to become a validator

Validators (approved verifiers) are the trust layer between an originator's paperwork and what gets recorded on-chain. If your organization already works closely with SMEs in your market — a cooperative, a trade association, a fintech, a local lender — you're a strong fit.

  • Confirm and register originator assets and their supporting documentation
  • Maintain the accuracy of on-chain credit passports for the originators you cover
  • Bring local market knowledge Arbor doesn't have from outside the region
Apply by email
Send application
Asset pools

Every pool, read straight from the chain.

Live registry state — nothing here is illustrative.

Reading chain state…

Reputation engine

Look up any originator's credit passport.

Every completed repayment cycle is recorded by an approved verifier — queryable by anyone, edited by no one.

Participate

Fund a pool, or claim your yield.

Requires a wallet on BOT Chain and USDT approved for the vault.

Invest in a pool

Claim your yield

Claimable—
Protocol token

ABOR — governance, not ownership.

Stake ABOR for voting weight. It carries no claim on any pool's cash flow — that's what pool tokens are for.

Total supply—
Total staked—
Transfer fee—
Your voting powerconnect wallet
Network

Built on BOT Chain.

The EVM-compatible Layer 1 Arbor runs on — nothing here asks you to take our word for it.

Network parameters

Network nameBOT Chain
RPC URLrpc.botchain.ai
Chain ID677
CurrencyBOT
Block explorerscan.botchain.ai
Technical details

Contract addresses, for those who want them.

Collapsed by default. Expand any row to verify on-chain.

Deployed on BOT Chain Mainnet (Chain ID 677). BOT Chain's core infrastructure has been audited by CertiK; Arbor Protocol's application contracts above have not yet undergone independent audit.