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.
Capital Allocation
Capital is deployed into Ember-managed pools that finance approved receivables. Smart contracts govern allocation, exposure limits, and repayment mechanics.
Repayment & Yield
Borrowers repay principal plus interest. Funds are distributed automatically according to protocol rules.
Allocation25% of total supplyGovernance controlled
Yield RangeTo be determinedBased on lending
performance and fees
Supply1 Billion EMBRFixed at genesis
MechanismBuyback and BurnFunded by protocol revenue
All figures are illustrative and subject to change prior to token generation event and governance activation
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
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
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
Proposal-making by Foundation board. Large holders (>1%) can vote
Hybrid
Governance
Proposals open to 10k+
EMBR holders. Veto power
by board
Proposals open to 10k+ EMBR holders. Veto power by board
PHASE 3Token Holder
Controlled
Open proposal making.
Universal voting. Special
review council
Open proposal making. Universal voting. Special review council
FAQs
Receivables lending is a financing model where future card receivables are used to support short-term funding for card issuers.
The Ember Foundation may provide capital to card issuers, such as Amara U.S., to support receivables financing, helping reduce reliance on traditional banking partners. These activities are managed by the Foundation and are not user-facing lending products.
EMBR does not offer direct interest payments or lending yield to token holders. Instead, value accrues to the EMBR ecosystem through Foundation revenue generated from lending activities and points-to-token conversion fees. A portion of this revenue may be used to repurchase and burn EMBR tokens, reducing supply over time and aligning long-term value with network growth. Token holders may also earn staking rewards through published staking programs, which are funded from designated community reward allocations and governed by protocol parameters.
Security reviews and audits are planned for all production smart contracts prior to main net deployment. Audit reports will be published once completed or if partially complete. Smart contracts are undergoing security reviews, with independent audits planned prior to main net deployment.
EMBR is a utility and governance token used to participate in protocol governance, access staking programs, and support ecosystem alignment.
Staking and other incentive programs are governed by published parameters and funded through designated token allocations.
The Ember Foundation follows a phased governance model. Initially, governance is administered by the Foundation, with limited voting rights for qualifying token holders. Over time, governance authority is expected to progressively decentralize through on-chain voting and community proposals.