Opportunistic Credit

Strategy Details

Curated by ZIG Markets with DeFa by InvoiceMate as deployment partner, this vault gives investors exposure to a diversified private-credit book combining short-duration PayFi factoring and regulated SME working-capital facilities across the GCC.

The strategy deploys USDC into short-duration factoring facilities backing licensed payment operators and into revolving working-capital lines extended to vetted SMEs across the UAE, KSA, and Oman. ZIG Markets works with DeFa to balance yield, duration, and counterparty exposure.

Returns are generated from real business activity. Licensed exchange houses and payment service providers access liquidity to bridge the gap between instant remittance settlement and fiat clearing, while SMEs draw on working-capital facilities to manage supplier payments, order cycles, and receivables gaps. Repayment comes from verified business cashflows, not market speculation. The vault earns yield through agreed financing fees and spreads, net of operational and credit management costs.

This is the higher-yield, higher-variability counterpart to the Core Income Vault. It targets stronger return potential by accepting broader exposure across private credit structures, borrower types, and facility durations.

What it is and is not

This is a higher-yield real-economy private credit strategy backed by verified receivables, licensed payment infrastructure, and SME business cashflows across regulated GCC markets.

It is not token-price speculation, not a leverage loop, and not market-directional trading. Yield is sourced from financing activity tied to operating businesses, not from trading performance or token appreciation.

How it works

Roles

ZIG Markets acts as Curator, setting the strategy, allocating capital, sourcing opportunities, and overseeing counterparties.

DeFa by InvoiceMate acts as deployment partner, originating and managing private-credit opportunities across PayFi factoring and SME working-capital infrastructure in the GCC and South Asia.

Valdora wraps the strategy in an audited onchain vault, issues transferable vVaultOC shares to investors seeking exposure, reports AUM onchain, and applies a 0% performance fee. Yield reaches you in full.

Withdrawal Mechanics

The vault has a redemption period of up to 60 days.

Capital is deployed into rolling short-duration facilities aligned to underlying invoice and working-capital cycles, typically 60 to 120 days, so withdrawals are request-based. Your vVaultOC shares are burned at request time and the payout is locked in at the current share price. Requests are settled first from incoming deposits, meaning new deposits pay exiting users before anything is forwarded to the strategy, then from recycled facility repayments as underlying facilities repay.

In normal conditions, redemptions may be fulfilled earlier if sufficient liquidity is available. During periods of higher utilisation or lower liquidity, redemption timing may extend toward the upper end of the 60-day period. Payouts are pushed to your address, so no claim transaction is needed.

Risk Information

This vault is designed for investors seeking higher return potential and willing to accept higher variability than lower-risk income strategies.

The primary risks include borrower and counterparty default, delayed repayment, invoice non-payment, servicing and execution risk, concentration risk, originator risk, regulatory and jurisdictional risk across the markets and structures used, operational risk, and liquidity timing. These risks are managed through short tenors, receivable verification, borrower and facility diversification, licensed counterparty selection, counterparty due diligence, exposure limits, ongoing monitoring, and ring-fencing of investor capital from operational risk where applicable.

Returns are indicative, not promises. The figure shown may vary based on facility utilisation, repayment behaviour, defaults, and operational execution. Liquidity is conditional on underlying facility cycles. Capital is at risk, and returns are not guaranteed. USDC is issued by Circle; issuer-level address freezing is a general risk of holding USDC, not specific to this vault.

Track Record

DeFa by InvoiceMate focuses on receivables-backed private credit, connecting stablecoin liquidity to verified invoices, licensed payment infrastructure, and short-term working-capital facilities. Across its platform, DeFa reports:

• $100M+ in private credit deployed
• $640M+ in transaction volume processed
• $6.5M+ in investor yield generated
• 0.19% reported NPL rate

Additional Vault Details

• Curator: ZIG Markets
• Deployment Partner: DeFa by InvoiceMate
• Markets: UAE, KSA, Oman, and broader GCC and South Asia corridors
• Strategy Type: Higher-yield private credit
• Core Exposure: PayFi factoring and regulated SME working-capital facilities
• Supply Asset: USDC
• Redemption Period: Up to 60 days
• Performance Fee: 0.00%
• Vault Token: vVaultOC
• Risk Profile: Higher-yield, higher-variability profile versus the Core Income Vault
• Yield Source: Financing spreads and agreed fees linked to verified business cashflows