6-7% APY
expected, based on market conditions
You earn from real borrowing demand on-chain. No token emissions. No unsustainable incentives. Just lending yield from protocols that have secured billions in total value.
Two Tokens.
One Protocol.
Promis gives you a choice: earn steady yield from established DeFi lending, or step into higher returns backed by cash flows from real businesses. Both are transparent, on-chain, and built on real revenue, not synthetic leverage.
ProUSD: Stable Yield from Proven DeFi Lending
ProUSD is the foundation of the Promis protocol. When you deposit stablecoins and mint ProUSD, your capital is deployed into Morpho and Aave, two of the most battle-tested, audited lending protocols in DeFi.
Key Stats
Backed by Morpho
& Aave lending
Senior pool,
first in line
Why ProUSD?
ProUSD is designed for users who want predictable, lower-risk yield without leaving the DeFi ecosystem. Your stablecoins work in protocols you already trust, with an additional layer of convenience through the Promis interface.
Coming Soon 
ProUSD+: Higher Yield. Backed by Real Business Revenue.
ProUSD+ unlocks the next tier of returns. When you deposit ProUSD to mint ProUSD+, your underlying stablecoins are withdrawn from Morpho and Aave and made available to our vetted Business Advance Partners. These partners deploy capital into business advance (BA) funding deals for US-based small and medium businesses.
Key Stats
10-15% APY
expected, based on performance of BA portfolio
Business Advances are short-duration, revenue-based financing. Businesses repay through a percentage of their daily sales, meaning repayment is tied directly to real business revenue, not fixed schedules or speculative collateral.
Backed by US business advance pools
Junior pool,
higher yield, higher risk
Why ProUSD+?
This is yield you can't get anywhere else in DeFi. While most protocols recycle on-chain liquidity, ProUSD+ connects your capital to the $20B+ business advance market, an asset class that has historically delivered strong, consistent returns but has been inaccessible to everyday investors. Promis brings it on-chain for the first time.
Promis yield is generated from external, real-economy cash flows. The revenue source exists whether DeFi does or not. That's what makes it sustainable.
Coming Soon Structured for Transparency.
Designed for Choice.
Promis uses a two-pool structure that separates risk and reward clearly. This is a similar senior/junior structure used in traditional structured finance, now transparent and accessible on-chain.
ProUSD
sits in DeFi lending protocols. It earns lower but more predictable yield. In the event of losses in the Business Advance pools, ProUSD holders are protected. The junior pool absorbs losses first.
ProUSD+
is funded by depositing ProUSD. The capital moves out of DeFi lending and into Business Advance pools. ProUSD+ holders earn substantially higher returns but accept additional risk: they are the first-loss layer if business repayments underperform.
The Asset Class Behind ProUSD+
1
A business advance (BA) is a form of short-term business financing. A business advance provider gives a US small business a lump sum of capital. In return, the business agrees to repay a fixed amount through a percentage of daily credit card or bank sales.
2
Business Advances are not loans. They are purchases of future receivables. Repayments scale naturally with business performance: when revenue is strong, repayments are higher; during slower periods, repayments adjust down.
3
This asset class finances hundreds of thousands of US businesses every year, including restaurants, retail shops, service providers, and more. It has historically generated attractive risk- adjusted returns for institutional capital. Promis makes this accessible to DeFi participants for the first time.
Key characteristics of Business Advances
Short duration
(typically 3-12 months)
Repayment tied to daily
business revenue
Diversified across many
merchants and industries
Established asset class with
decades of performance data
Historically strong returns
for capital providers
Together, we're bringing DeFi
to the real economy.
Promis turns stablecoins into structured yield, from DeFi lending protocols to real business revenue flows.
Coming Soon