About IncomRWA

The IncomRWA Protocol

IncomRWA is an RWA protocol offering stablecoin yields through institutional-grade portfolios of real-world trade finance assets. Built with compliance at its core and backed by Incomlend, a global leader in trade finance, IncomRWA bridges the gap between TradFi and DeFi markets.

Strong Foundations

IncomRWA is built on the strong foundation of Incomlend, a global trade receivables finance platform with clients in 50+ countries. Since 2016, Incomlend has financed over 8,000+ receivables, deploying well over $1 billion in finance. Their deep expertise and proven risk frameworks bring institutional-grade credibility to IncomRWA’s DeFi ecosystem.

The $IRWA Token Video

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Our Vision & Mission

Our Vision

To empower everyone with access to real-world yield, bridging the gap between TradFi and DeFi ecosystems.

Our Mission

To democratize access to institutional-grade trade finance returns by merging the best of TradFi and DeFi.

Bridging Trade Finance to DeFi

The global trade finance industry is estimated at nearly $10  trillion in 2025, yet DeFi barely scratches the surface. IncomRWA brings this opportunity on-chain by converting invoice-backed yield into steady stablecoin rewards for $iRWA stakers.

This means no speculative APR games, just real-world cash flows, paid in USDT.

What is Trade Receivables Financing?

Trade Receivables Finance (also known as Invoice Financing) is a financial solution that allows businesses to access cash tied up in their outstanding customer invoices before the customers actually pay them.

How it works?

A business sells goods or services to a customer on credit terms
(e.g., payment due in 30, 60, or 90 days).
Instead of waiting for the customer to pay, the business sells or uses those invoices as collateral to receive early payment from a financier (such as a bank or a specialized financial institution).
The financier advances a large portion (typically 70–90%) of the invoice value up front.
When the customer pays the invoice, the financier deducts their fee and remits the remaining balance to the business.

How is the RWA yield generated?

IncomRWA’s yields come from real-world business transactions. Here’s how it works:

Incomlend earns revenue by financing trade receivables.
A portion of this revenue is shared with IncomRWA.
IncomRWA distributes this as stablecoin yield to users who stake the $iRWA token. This allows anyone staking $iRWA to earn real yield, backed by real-world business activity.

How IncomRWA Bridges the Gap

IncomRWA connects DeFi to real-world trade finance by distributing stablecoin rewards generated from
invoice-backed yields.

How is the RWA yield generated?

IncomRWA’s yields come from real-world business transactions. Here’s how it works:

Stake $iRWA to Earn Stablecoin Yields

By staking the $iRWA token, users can participate in a previously exclusive opportunity, earning steady stablecoin returns from real-world trade finance activity.

Access Traditionally Closed Markets

What was once limited to accredited and institutional investors is now open to everyone. Staking $iRWA gives you exposure to
real-world asset yields.

Fully Compliant & Credit-Insured

Receivable pools are credit insured, and IncomRWA operates within a compliant infrastructure, ensuring a secure and transparent investment experience.

Stake $iRWA to Earn Stablecoin Yields

By staking the $iRWA token, users can participate in a previously exclusive opportunity, earning predictable, stablecoin returns from real-world trade finance activity.

Access Traditionally Closed Markets

What was once limited to accredited and institutional investors is now open to everyone. Staking $iRWA gives you exposure to real-world asset yields.

Fully Compliant & Credit-Insured

All receivable pools are credit insured, and IncomRWA operates within a compliant infrastructure, ensuring a secure and transparent investment experience.