Architecting the Future of On-Chain Credit
End-to-end strategic advisory for Web3 leaders launching compliant, profitable consumer lending and card programs. We provide the definitive playbook to navigate the confluence of TradFi and DeFi.
Leadership with Experience From
The Market Has Shifted
Utility is the New Endgame.
The battle for market share is moving beyond trading fees. Long-term dominance will be won by platforms that embed themselves into the daily financial lives of their users. Credit is the strategic linchpin for this evolution.
9.24%
Growth in CeFi Lending Borrows
Users are actively seeking trusted, centralized platforms for core credit services.
75%
Trust in Traditional Providers
Crypto owners would use their bank for crypto, signaling a demand for regulated, secure products.
42%
Demand for Crypto Payments
A significant portion of owners want to use their digital assets for everyday goods and services.
38%
Growth in Web3 Market CAGR
An immense tailwind from the underlying expansion of the entire digital asset ecosystem.
The Nivalis Solution
From 0-to-1: A Proven Framework for Market Leadership.
Launching a credit program is an act of complex orchestration. Our proprietary 0-to-1 Launch Framework de-risks the process, accelerating your path from strategic intent to a market-ready, compliant, and profitable product.
Go-to-Market Blueprint
Partnership & Tech
Product & Financial
Compliance & Legal
Risk & Underwriting
An Unfair Advantage in a Complex Market.
Our advisory is led by principals with proven track records building and scaling innovative credit and payment products at the highest levels of both TradFi and Web3.
Consumer Finance
The architect of 0-to-1 credit programs for Amazon and Google, now providing the playbook for Web3 leaders to launch compliant on-chain card programs.
- →Architected the credit risk models for Amazon's card program, using large-scale data analytics to generate +$360MM in sales.
- →Launched and scaled Google's BNPL business from $0 to +$100MM in assets, achieving profitability in year one.
- →Directed the M&A integration of a fintech startup into a +$100BN bank, passing a rigorous Federal Audit and creating a new +$1BN enterprise strategy.
Financial Technologies
A Technology expert for complex financial systems, with experience in banking, fintech and capital markets building platforms at Big Tech scale and bringing traditional financial assets on-chain for Web3.
- →A long background in capital markets building best-in-class systems for a wide range of asset types and strategies.
- →Engagements building banking/fintech use cases with experience in integration with a wide swath of the financial ecosystem.
- →Extensive experience with a wide range of technologies including blockchain, AI, Machine Learning, cloud solutions.
- →CTO at Cadence Group, growing the private credit platform's AUM from $50M to $500M.
- →Managed product for bringing traditional assets on-chain at Cadence, working on the frontier of DeFi securitization.
From the Nivalis Content Engine
Actionable Insights for Web3 Leaders.
We prioritize deep, bottom-of-funnel content that addresses the most complex strategic and regulatory challenges facing our clients.
Insights
The Crypto Credit Imperative: Unlocking Utility & Trust in Web3 Finance
Explore how regulated crypto credit cards are bridging trust and innovation, targeting Hodler-Spenders, DeFi enthusiasts, and newcomers. Discover strategies to unlock mass adoption with clear regulations like the GENIUS Act.
Insights
Beyond FICO: Building a Hybrid Underwriting Model for Crypto-Collateralized Loans
Beyond FICO: A hybrid underwriting model tackles crypto lending risks with real-time collateral management, AI-driven borrower assessment, and predictive analytics for volatile markets
Insights
The Crypto User Paradox: How to Build Trust with a 'Trustless' Audience
Unlock trust in crypto credit: Navigating the 'Trust Paradox' between decentralization and assurance. Strategies for Web3 firms to blend innovation with regulatory safeguards
Build Your Competitive Moat.
The window of opportunity to establish market leadership is now. Partner with Nivalis to transform your strategic vision into a defensible, revenue-generating reality.
Schedule Your Confidential Briefing