Guide · Start here

The Defactor intro guide

What Defactor is, who it's for, and how the four building blocks fit together.

Start here6 min read

Defactor is a modern credit desk for private markets. It brings the whole lifecycle of a private credit deal — raising a facility, issuing the asset, distributing it to investors and keeping everything compliant — into one place.

If you have run private credit before, you know the pain: spreadsheets, email chains, legal back-and-forth and a back office stitching it all together. Defactor replaces that with four building blocks that work as one system. This guide walks you through each one and how a deal flows end to end.

The big picture

What Defactor actually does

Think of Defactor as a single desk for running private credit. Instead of separate tools for onboarding, funding, token issuance and reporting, you get one workflow where each step hands off cleanly to the next.

You work in plain finance terms — facilities, borrowers, lenders, repayments. The blockchain parts that make assets portable and auditable run quietly in the background, so you never have to think about them unless you want to.

The four building blocks

Raise, Mint, Yield & Compliance

Everything in Defactor is built from four parts. Most users only need one or two to get started.

Raise

For borrowers and operators. Open a lending facility, fund borrowers and automate repayments — all from one desk.

Mint

For issuers. Turn a real-world asset into a compliant token, with the rules for who can hold it built right in.

Yield

For investors and allocators. Review vetted opportunities, commit capital and track repayments with live performance.

Compliance

The layer underneath all three. Eligibility, transfer rules and audit trails travel with every asset automatically.

End to end

How a deal flows through Defactor

A typical deal moves through the building blocks in order. Here is the shape of it:

Structure and open the facility

In Raise, set the amount, term, rate and repayment schedule, then open it to lenders — publicly or by private invitation.

Issue the asset

In Mint, wrap the underlying asset in its rules and issue a compliant token that only ever moves to approved holders.

Distribute to investors

In Yield, verified allocators review the opportunity and commit capital, with live performance instead of quarterly PDFs.

Service and report

The borrower pays once; Defactor splits repayments by lender share and keeps an audit-ready record of every movement.

Tip. You don't have to use all four at once. A borrower might live entirely in Raise, while an investor only ever sees Yield.

Common question

Do I need to understand crypto?

No. Defactor is designed for finance professionals, not crypto natives. You interact with familiar concepts — facilities, tokens as asset units, eligibility rules — and the on-chain mechanics stay in the background.

If you want the detail, the dedicated guides below cover exactly what runs on-chain and why it matters.

Ready to see it in action?

Explore how borrowers run private credit from one desk, or talk to us about your use case.

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