Democratizing private credit markets through tokenization

Problem

Small and medium sized businesses struggle to access the funding they need in order to grow and expand their operations. Too often they are forced to rely on highly fragmented, traditional banking systems that impose borrowing costs as high as 20%, require long underwriting times, and involve multiple intermediaries that contribute to the friction of the borrowing process. As a result, many of these businesses are left in need of capital, while investors or capital owners, both retail and institutional alike, miss out on real-world yield opportunities available in private credit markets.

Solution

cSigma reimagines lending and unlocks capital for small and medium-sized businesses by enabling the tokenization of their real-world assets, allowing faster, more transparent access to the investment. Through cSigma’s stablecoin-based lending platform, companies can tap into a pool of global investors directly, while these same investors gain access to a private credit market that was previously out of reach. Built on Hedera, the platform delivers low-cost, high-speed settlement and trusted, institutional-grade infrastructure at scale.

We built cSigma to remove the friction in how capital moves, and partnering with Hedera has been key to that. Its fast finality, low and predictable fees, and institutional-grade design allow us to deliver real-world asset tokenization and global capital access in a way that simply wasn’t possible with traditional systems.

Anil Jaladi

CEO & Founder

Democratizing private credit markets through tokenization

What makes cSigma different isn’t just that it brings credit markets on-chain, it fundamentally changes how capital moves. In traditional finance, businesses have to rely on a handful of lenders, endure settlements that can take weeks, and bend to the needs of expensive intermediaries. cSigma replaces that model with a direct, global marketplace where business assets are tokenized, fractionalized, and distributed to investors across 100+ countries, often within the same day.

Crucially, much of the business logic and regulatory workflow that includes onboarding (KYC/AML), compliance checks, capital flows, yield distribution, and reporting, is embedded directly into smart contracts. This allows the platform to operate with speed and consistency while maintaining strong compliance standards.

For businesses, that shift translates into real savings: borrowing costs drop from 20% to as low as 12–13%, while operational overhead tied to asset management can fall by up to 80%. For investors, it opens access to private credit yields typically reserved for institutions, delivering 20–60% higher returns on stablecoin capital, with built-in diversification. With $80M+ in tokenized assets, $15M+ in active loans, and a $250M pipeline, cSigma is demonstrating a more efficient, scalable credit market in action.

Building the future of private credit on Hedera

cSigma Atlas is one of the first self-service platforms that allows asset managers to tokenize their yield strategies on blockchain and make them available globally to Institutional and Retail investors. With its Blockchain native end-to-end Asset Management process, Atlas reduces the operating costs by 80% while increasing the speed and efficiency of capital movement.

cSigma plans to expand Atlas to hundreds of businesses and asset managers, deepening its integration with Hedera to further reduce costs and improve user experience. As adoption grows, investors can expect broader access to diversified, stable yield opportunities, while businesses benefit from faster, more affordable global capital access.

Why Hedera?

cSigma selected Hedera for its combination of speed, cost efficiency, and institutional-grade reliability, which are critical for real-world financial applications. With near two second finality and predictable fee schedule, cSigma can scale tokenization and capital flows efficiently. The platform leverages smart contract support for automated financial workflows, Hedera File Service for secure data handling, and selectively uses Hedera Token Service for asset issuance. Enabling compliant, low-cost, and high-performance operations.