A Way Out, Not a Way Deeper
In many emerging markets, shame isn't just personal. It's cultural. People with stable incomes but no assets drown in debt silently, too ashamed to ask for help.Fintech platforms exploit this silence with fast, uncollateralized credit. The loans are small, the terms are short, and the interest rates are sky-high often over 300-1000% APY. Borrowers take one to repay another, moving across multiple apps, until their debt outpaces their income.
Then the system shuts down. No more approvals. No restructuring. Just rejection, harassment, and public shaming.
So when shame closes one door and the system slams the rest. Where do you go?
Trust Isn't Given, It's Structured
When default begins, every option disappears. Banks ask for collateral you do not have. Fintech blocks you once you fall behind. DeFi is built for people who can overcollateralize, not for those who still have income but lack assets.Nivarta creates a new path based on verified commitments. Borrowers submit verified identity, income documents, and a private commitment video. Funds move into a time-locked contract and are released gradually, following the repayment timeline of the debts being refinanced instead of being given upfront.
If repayment fails, predefined data is revealed onchain to create predictable and enforceable accountability. Lenders provide capital backed by verifiable data and earn sustainable yield through structured refinancing with predictable onchain accountability.
Coming soon