# High-Yield Liquidity Pools for Capital Providers

NEBULY offers capital providers structured access to real-world yield through decentralized, purpose-specific liquidity pools. These pools are directly linked to tokenized income streams—such as receivables, payroll, or remittance flows—allowing liquidity providers (LPs) to earn yield from productive, off-chain financial activity.

Each pool is tailored by asset type, risk profile, and repayment dynamics, enabling LPs to deploy capital based on their yield and risk preferences.

#### Functional Scope

- Receivables Pools: Backed by tokenized invoices with fixed maturity dates
- Payroll Advance Pools: Fund salary-based credit lines with predictable cash flow schedules
- Remittance Pools: Provide liquidity against time-locked inbound transfers
- Thematic Pools: LPs can participate in region-specific (e.g., LATAM SMB pool) or sector-specific (e.g., DePIN worker pool) yield opportunities

#### Protocol Mechanics

- Pool Deployment: NEBULY deploys smart contract vaults for each pool type, governed by predefined parameters (tenor, risk, liquidity cap)
- LP Onboarding: Providers deposit stablecoins (e.g., USDC, DAI) into selected pools via NEBULY’s frontend or API
- Capital Allocation: Deposited funds are routed to eligible borrowers based on protocol logic and demand matching
- Interest Accrual: As borrowers repay, interest and principal are distributed pro rata to LPs, net of protocol fees
- Exit and Redemption: LPs can exit at maturity or secondary liquidity can be supported via tokenized pool shares (ERC-4626 compliant)

#### Key Properties

- Real Yield Source: Returns come from actual economic activity, not synthetic leverage
- Segmented Risk Exposure: LPs can select pools by geography, asset type, or credit tier
- APY Targeting: Base yields typically range from 10–15%, with boosts from FLOW incentives
- Protocol Safeguards: Risk buffers, waterfall structures, and performance-triggered insurance vaults are integrated to mitigate loss risk