Owner-operators deliver freight today but wait up to 6 weeks for payment — killing cash flow and limiting growth.
A fraction of this is financed efficiently. Most carriers use predatory factoring at 5–8% flat fees with no transparency.
No platform offers global investors direct, transparent access to US freight invoices or truck ownership on-chain. Until now.
Deposit USDC. Earn yield from a diversified portfolio of real freight invoices. Withdraw anytime.
Pick individual invoices. Higher yield potential. Choose your exposure by broker, carrier, and route.
Own fractional equity in real trucks. Asset-backed, inflation-resistant, long-term cash flow.
Deposit USDC into a tiered risk pool. CargoFi deploys it as advances on verified freight invoices — conservative by design.
| Tier | Advance | Brokers | APY |
|---|---|---|---|
|
Senior
Safe Harbor · Low risk
|
92% | Top-tier 12m+ history |
8–10% |
|
Core
Balanced · Medium risk
|
90% | Verified 6m+ history |
13–16% |
|
Alpha
Growth · Higher risk
|
85% | New/emerging + escrow req. |
20–22% |
For sophisticated investors who want to pick their exposure. Buy individual invoices, earn above-pool returns.
Not lending — owning. Each token represents fractional equity in a real, operating truck under CargoFi's MC authority.
KW T680 per truck. Token value backed by physical asset + cargo insurance.
Annual yield from freight operations. Paid weekly in USDC proportional to ownership.
Residual value distributed at end of contract. Depreciation tax benefit passes through.
One SPV per truck. NFT title as collateral. Secondary market for liquidity.
| Product | Risk | Liquidity | Yield | Type |
|---|---|---|---|---|
| Yield Pool — Senior | Low (diversified) | High (anytime) | 8–10% | Debt / USDC |
| Yield Pool — Alpha | Medium (diversified) | High (anytime) | 20–22% | Debt / USDC |
| Invoice Marketplace | Medium (concentrated) | Medium (days) | 18–22% | Debt / USDC |
| Truck Tokens | Low (asset-backed) | Low (secondary mkt) | 15–20% + residual | Equity / Real asset |
| Settlement | Cycles/year | Fee/invoice | Gross APY | Costs (bad debt + opex) | Net APY | → Investor | CargoFi Spread |
|---|---|---|---|---|---|---|---|
| 7 days | 52.1× | 1.1% | 57.4% | 3.5% | 53.9% | 33.4% | 20.5% |
| 14 days | 26.1× | 2.0% | 52.1% | 3.5% | 48.6% | 30.2% | 18.5% |
| 30 days | 12.2× | 2.75% | 33.5% | 3.5% | 30.0% | 18.6% | 11.4% |
| 45 days | 8.1× | 3.5% | 28.4% | 3.5% | 24.9% | 15.4% | 9.5% |
Target investor APY at 7-day cycles — 2.5× above Goldfinch
Share of net yield distributed to pool investors
Target capital utilization — 15% buffer for redemptions
CargoFi Dispatch captures load history, POD delivery rates, and carrier compliance data that no bank, hedge fund, or DeFi protocol has. We underwrite with operational truth — not credit scores.
CargoFi owns the dispatching layer, the carrier relationships, and the financing layer. Competitors cannot underwrite what they cannot see. We see everything.
New carriers post on-chain escrow before accessing funding. Three risk tiers (Senior / Core / Alpha) give investors real control. A 5% reserve buffer absorbs delays before touching investor capital.
Owner-operators receive USD or MXN by ACH or CLABE. They never touch a wallet. Only investors interact with USDC on-chain. Friction removed for the supply side.
We're raising our first capital round to fund the factoring pool and onboard the first carriers. Join before the pool opens to the public.
Seed round — Pool v1
3 anchor investors
Target APY by tier
Conservative by design
First invoice funded
MC active · carriers ready