Gate News message: On April 3, Lista DAO launched today the Dow E-Commerce Financing RWA Vault of Dow Protocol (RWA refers to Real World Assets, i.e., real-world assets). This Vault is built on the capability development of Dowsure, an e-commerce finance company under HSBC, with a term of 90 days and an APY currently at 10%. The Vault is supported by merchants’ accounts receivable and repayment cash flows from mature, leading global e-commerce platforms, providing merchants with a working-capital advance service for cash flow.
Merchant repayment discipline is jointly ensured by two core mechanisms: first, an automated repayment service routing mechanism in cooperation with the e-commerce platform, used to prioritize the collection of merchants’ incoming payments and to automatically deduct principal and interest upon the agreed schedule; second, a dual-locked account control mechanism, used to limit changes to the repayment route, verify control rights over the repayment accounts, and support the taking of corresponding protective measures in the event of overdue or default circumstances. What this Vault maps is not a revenue structure that merely sits in the incentive layer on-chain, but rather a cash-flow system that has been operating for a long time in the real commercial world and has been validated.
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