Tokenized Receivables, On-Chain
Ember enables real-world receivables to be originated, risk-scored, and financed through smart contracts.
Borrowers access capital faster.
Lenders earn yield from short-duration cash-flow assets.
Protocol rules enforce repayment, distribution and buyback logic.
Protocol
Design
PrinciplesProtocol Design Principles
Yield
Generation
Providing sustainable, real-yield opportunities backed by tangible economic activity.
Capital
Efficiency
Short-duration receivables reduce duration risk and increase capital velocity.
Risk
Controls
Asset eligibility, LTV limits, and repayment waterfalls enforced by smart contracts.
Governance
EMBR token holders participate in parameter setting and protocol upgrades.
How it works
Asset Origination
Receivables are originated through approved partners and submitted on-chain with standardized data fields.
Risk Assessment
Assets are evaluated using predefined criteria including duration, counterparty, and historical performance.
Liquidity Provision
Lenders supply capital to pools governed by Ember smart contracts.
Repayment & Yield
Borrowers repay principal plus interest. Funds are distributed automatically according to protocol rules.
EMBR Token Utility
Establish a self-sustaining financial ecosystem that unifies rewards, lending, and value transfer. This closed-loop architecture transforms transaction volume into a liquidity engine: token capital is used to collateralize real-world receivables, while operational yields and fees are recirculated to ensure long-term stability and participant alignment.
Governance
Voting
Staking for Yield Enhancement
Buyback and Burn Participation
Fee Rebates and Protocol Incentives
Sustainable
Value
AccrualSustainable Value Accrual
The EMBR token economy integrates a multi-faceted rewards and lending ecosystem, designed to create scarcity and align long-term incentives
How it works
Commit your EMBR tokens to secure the network and participate in protocol economics. Higher tiers unlock enhanced yield multipliers and governance privileges. Staking rewards are funded from protocol revenue and are subject to pool performance and governance parameters.
Silver Tier
10,000EMBRMinimum stake
Gold Tier
25,000EMBRMinimum stake
Diamond Tier
100,000EMBRMinimum stake
Long-term Lock Up
2x APYMultiplierMaximize your yield by locking tokens for up to 52 weeks
Value Accrual
Buyback and Burn
A portion of loan interest and swap fees is used to repurchase EMBR from the market and permanently burn it, creating deflationary pressure
Points Conversion
Exclusive facility to swap Amara rewards points for EMBR tokens (and vice versa) with a 1% transaction fee that feeds the treasury
Revenue
FlowRevenue Flow
TreasuryBuyback
Burn (Deflation)Governance
Foundation
Managed
Proposal-making by Foundation board. Large holders (>1%) can vote
Hybrid
Governance
Proposals open to 10k+ EMBR holders. Veto power by board
PHASE 3Token Holder
Controlled
Open proposal making. Universal voting. Special review council
FAQs
Receivables lending is a financing method where companies use their outstanding invoices as collateral to secure immediate capital. EMBER brings this on-chain to increase transparency and efficiency.
Liquidity providers can deposit capital (USDC/USDT) into lending pools. As borrowers repay their loans with interest, this yield is distributed to the liquidity providers.
Yes, all EMBER smart contracts undergo rigorous auditing by top-tier security firms to ensure fund safety and protocol integrity.
EMBR is used for governance voting, staking to access higher yield tiers, and as a backstop for protocol safety modules.
The Foundation is governed by a decentralized community of token holders who vote on key protocol parameters, asset onboarding, and treasury management.