About Us
What We Do
wo billion workers cannot access wages they have already earned. The providers trying to fix this pay banks 12–18% for capital — killing their margins and limiting their reach.
Advanca is the infrastructure fix.
We give capital providers access to a secure, high-yield asset class backed by real-world Earned Wage Access receivables — not speculation, not crypto volatility, but wages already owed to real workers. Depositors fund our stablecoin treasury pools at 4–7% cost of funds, deployed via compliant on-chain rails to EWA platforms globally.
Every dollar yields twice: once as deployed credit, once as stablecoin float. Capital is asset-backed, fully traceable, and tied to the most predictable cash flow in existence — payroll.
Built on a dual-engine model — credit infrastructure + our proprietary stablecoin USDad — Advanca delivers software-grade margins, real-world security, and institutional-grade returns.
Why It Works
① Fund
② Disburse
② Disburse
Source the Capital Investors and liquidity providers deposit stablecoins into Advanca's treasury pools. This capital costs 4–7% (vs 12–18% from traditional banks). Idle float already generates yield through T-bill reserves at 4–4.5%.
② Disburse
② Disburse
② Disburse
Deploy to Workers When a worker requests an earned wage advance through an EWA partner (e.g. Liabify), Advanca funds the advance by minting USDpb (proprietary stablecoin) to the worker's wallet or prepaid card. Advanca captures a 1.5–6% net interest margin (NIM) on every dollar deployed.
③ Spend
② Disburse
③ Spend
Capture the Transaction The worker spends via Advanca-supplied card rails. Every transaction generates interchange revenue (0.2–0.4%), FX margin on cross-border payments, and — most importantly — rich behavioral spending data.
④ Repay
* Value Capture *
③ Spend
Automatic Payroll Deduction At the next pay cycle, the amount is automatically deducted from the worker's salary by the employer. Capital flows back instantly into the treasury for redeployment. Near-zero default risk — repayment is deducted at source.
⑤ Data
* Value Capture *
* Value Capture *
The Moat Deepens Every cycle feeds the AI Labor Risk Index, which improves scoring, lowers cost of capital, attracts more partners, and generates even more data. A self-reinforcing flywheel that compounds with every transaction.
* Value Capture *
* Value Capture *
* Value Capture *
Every dollar that enters the Advanca protocol is monetized across up to six layers before it exits. Capital efficiency is not a feature — it is the architecture..