cSigma Finance Tokenizes $80M in Business Loans, Offers 15-18% Yield

cSigma Finance, a pioneering protocol in the decentralized finance (DeFi) space, has successfully tokenized over $80 million in business loans from mid-market companies across the United States, European Union, and Asia. This achievement, accomplished in the first quarter of 2025, marks a significant step in integrating traditional finance (TradFi) with DeFi. The tokenized loans are now accessible on 11 major blockchain networks, including Ethereum, Arbitrum, and BNB, facilitating a seamless convergence of these two financial ecosystems.

The protocol has ambitious plans to tokenize an additional $100 million in business loans by the end of 2025, aiming to reach a total of $200 million in tokenized private loans. This expansion underscores cSigma Finance's commitment to bridging the gap between stablecoin assets and real-world credit, offering investors enhanced yield opportunities.

Anil Jaladi, the founder of cSigma Finance and a former executive at Ripple and Morgan Stanley, emphasized the protocol's unique approach. "We’re not just creating another DeFi-only protocol, we’re using the blockchain to marry Stablecoin assets with private credit from real-world companies," he stated. By providing credit vaults backed by a diverse range of business credits, cSigma enables stablecoin lenders to earn consistent double-digit returns, avoiding the volatility typically associated with traditional DeFi yield strategies.

At the heart of cSigma's design is a robust "Zero Layer" borrower selection framework, supported by a three-layered credit risk management strategy. This strategy includes diversified loan books with hundreds of individual loans, significant collateral pledged via short-duration account receivables and company assets, and credit enhancements such as insurance. These layers collectively ensure robust risk mitigation while maintaining capital efficiency, providing a secure environment for investors.

cSigma Finance differentiates itself by directly integrating real-world businesses onto the blockchain, eliminating intermediaries and improving capital flow efficiency. This approach allows DeFi liquidity providers to support growing mid-sized businesses, delivering superior, crypto-uncorrelated yields to stablecoin holders. By focusing on real-world credit rather than crypto-collateralized loans, cSigma offers a unique value proposition in the DeFi landscape.

As of Q1 2025, cSigma Finance has tokenized $80 million in business loans, offering stablecoin lenders an uncorrelated yield of 15-18%. The protocol is supported across 11 blockchain networks and is available in over 150 countries via cSigma Edge. This global reach and diverse range of supported networks highlight cSigma's commitment to democratizing yield access across major blockchain ecosystems.

cSigma Finance's innovative approach to tokenizing real-world assets and integrating them with DeFi represents a significant advancement in the financial technology sector. By providing stablecoin holders with access to consistent, double-digit yields backed by real-world credit, cSigma is paving the way for a more integrated and efficient financial system. The protocol's success in tokenizing $80 million in business loans and its ambitious plans for further expansion demonstrate its potential to reshape the DeFi landscape and offer new opportunities for investors.