Streamable Finance

What Streamable Finance does

Streamable Finance is a Switzerland-domiciled fintech protocol founded in 2021 that combines a decentralized exchange (SF DeFi DeX) with a regulated investment platform (Streamable Invest) on top of a proprietary money-streaming protocol built on Distributed Ledger Technology. The company serves two primary customer segments: professional and institutional investors on the regulated Streamable Invest side, where KYC, suitability checks, and minimum investments of $5,000-$100,000 are required, and permissionless DeFi users on the DeX side, who can swap, stake, and provide liquidity without onboarding. Operations are run through the Quid Ecosystem Group Ltd and Ephelia Capital network, with a small core team of approximately nine identified members led by founder Michele Tegon.

The product architecture centers on real-time, second-by-second value streaming. es-Currencies (esUSD, esEUR, esGBP, plus wrapped strUSDT and strUSDC) allow fiat and stablecoin balances to be streamed continuously; StreamPay wraps and streams assets on-chain; and the $STREAM BEP-20 utility token (1B total supply, 737.5M on BSC) provides fee discounts, staking rewards from platform fees, and cashback. Streamable Invest offers flexible deposits (4-6% APY), 90-day locked products (6.5-9% APY), 365-day locked products (10-13% APY), and an invitation-only Liquidity Program with up to 40% APY in $STREAM on a 180-day lock and a $1M aggregate cap. The DeX supports up to 8-asset weighted and stablecoin pools and accepts up to 90 cryptocurrencies for deposit.

Revenue is generated through swap and trading fees on the DeX, staking platform fees shared with $STREAM stakers, and asset management fees collected by Ephelia Capital Sagl on Streamable Invest products. The company is regulated across Switzerland (FINMA), the UK (FCA), Italy (OAM), New Zealand (FSP), and the US (FINCEN/MSB) via partner entities. Streamable Finance is a private company operating under the Quid Ecosystem Group Ltd umbrella; no external venture funding, revenue, AUM, or TVL figures are disclosed in the source data, and the business remains at an early stage of scale.

Name

Streamable Finance

Legal name

Streamable Finance

Website

https://streamablefinance.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Streamable Finance is a Switzerland-based fintech protocol combining a decentralized exchange with a regulated investment platform. It delivers real-time, second-by-second yield to professional and institutional investors and DeFi users via proprietary money-streaming blockchain infrastructure and the $STREAM utility token.

Ownership category

akta.pro rank

Product category

Decentralized Finance Protocol

NAICS

Other Investment Pools and Funds (5259), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Open-End Investment Funds (525910)

SIC

Finance Services (6199)

akta.pro primary industry

Institutional DeFi & On-Chain Liquidity Infrastructure (Permissioned DeFi, Lending) (FSAGAMAG)

akta.pro secondary industries

Decentralized Lending Protocols (DeFi Money Markets) (FSADAFAB), Micropayments & Streaming Payments (Crypto) (FSADAIAM), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

Keywords

• Decentralized exchange platform
• Real-time yield streaming
• Stablecoin investment products
• Money streaming protocol
• Regulated crypto investment

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales

Revenue model

1. Swap and Trading Fees: Platform collects swap fees from DeX transactions. Fee structure includes unstaking penalty fees that contribute to the platform revenue pool.
2. Staking Platform Fees: $STREAM token stakers share collected platform fees including swap and unstaking penalty fees. Creates recurring value accrual for token holders.
3. Investment Management: Asset management services through Ephelia Capital Sagl for Streamable Invest products, generating management fees from investment products.
4. Token Utility Fees: $STREAM holders receive fee discounts for swapping and minting within the protocol. Token serves as cashback for purchases and transactions within the streaming economy.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Streamable Finance is a DLT-based fintech protocol offering a decentralized exchange (SF DeFi) for swapping, staking, and providing liquidity in stablecoins and crypto assets, alongside Streamable Invest, a regulated platform that streams investment yield second-by-second to user wallets. The ecosystem also includes the es-Currency stablecoin system (esUSD, esEUR, esGBP) and the $STREAM BEP-20 utility token for fees, staking, and rewards.

Product overview

Streamable Finance is a next-generation fintech financial protocol combining Web2 and Web3 technologies with DLT. The product portfolio consists of two main platforms: SF DeFi (DeX) providing decentralized exchange services including swap, staking, pools, and LP functionality; and Streamable Invest, a regulated investment platform delivering real-time yield payments. The ecosystem includes the native $STREAM utility token (BEP-20), es-Currencies (streamable versions of fiat currencies like esUSD, esEUR, esGBP), and various investment products including flexible and locked time deposits for both fiat (USD, GBP, EUR) and crypto (USDT, USDC) with yields ranging from 4% to 40% APY depending on product type and $STREAM token holding.

Differentiator

Problem solved

Functional benefit

Brands

• SF DeFi: Decentralized exchange (DeX) for swapping and staking stablecoins, streamable assets, and other crypto assets
• Streamable Invest
• es-Currencies
• StreamPay
• $STREAM Token

Products and services

• SF DeFi – DeX Decentralized exchange (DeX) enabling users to swap and stake stablecoins, streamable assets, and other crypto assets without KYC. Supports StreamPay (asset wrapping/streaming), weighted and stablecoin pools up to 8 assets per pool, swap with stable and weighted math, and LP/staking for fee and reward accrual in $STREAM tokens.
• Streamable Invest Regulated investment platform offering real-time, second-by-second yield streaming to user wallets. Combines CeFi and DeFi strategies, supports up to 90 cryptocurrencies, fiat (USD, EUR, GBP, CHF) deposits, and requires KYC and suitability assessment for professional and institutional investors. Operated by Elviria.ch with Ephelia Capital Sagl as portfolio manager.
• $STREAM Token BEP-20 native utility token of the Streamable Finance protocol with a 1B total supply (737.5M on BSC). $STREAM holders receive fee discounts on swapping and minting, share platform fees (swap and unstaking penalty fees) through staking, and use tokens as cashback within the streaming economy.
• es-Currencies Streamable electronic currencies that allow stablecoins and fiat to be streamed second-by-second. Includes esUSD, esEUR, esGBP, and wrapped versions strUSDT and strUSDC, all convertible to/from their underlying assets at a 1:1 ratio without fees.
• Streamable Finance Liquidity Program Invitation-only DeFi investment product with a 180-day minimum lock (auto-renewing). Minimum investment of 100,000 USD/GBP/EUR, capped at $1M total cumulative investment. Expected APY up to 40% paid in $STREAM tokens. Marketed as high risk/high reward.
• USD, GBP, EUR FLEX Flexible short-term deposit product in USD, GBP, and EUR. Base APY 4%, Boosted 4.5%, In $STREAM 6%. Minimum investment 5,000 USD/GBP/EUR. Redeemable anytime with T+1 processing.
• USD, GBP, EUR 90 days LOCKED Locked 90-day time deposit product in USD, GBP, and EUR. Base APY 6.5%, Boosted 7.25%, In $STREAM 9%. Minimum investment 10,000 USD/GBP/EUR. Income paid at maturity or in real-time via es-Currency.
• USD, GBP, EUR 365 days LOCKED Locked 365-day time deposit product in USD, GBP, and EUR. Base APY 10%, Boosted 11.25%, In $STREAM 13%. Minimum investment 10,000 USD/GBP/EUR. Income available at maturity.
• USDC FLEX Flexible crypto investment in USDC. Base APY 7%, Boosted 8.5%. Minimum investment 5,000 USDC. Yields converted to strUSDC (wrapped version) for real-time streaming.
• USDC 90 days LOCKED Locked 90-day crypto investment in USDC. Minimum investment 10,000 USDC. Yields converted to USDC by Ephelia Capital and paid in strUSDC (wrapped) with option to unwrap at 1:1 ratio.
• USDT 90 days LOCKED Locked 90-day crypto investment in USDT. Minimum investment 10,000 USDT. Yields converted to USDT by Ephelia Capital and paid in strUSDT with no-cost unwrapping.

Quantifiable outcome

• Up to 40% APY in $STREAM tokens for Liquidity Program
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and regional.

• Ephelia Capital SaglcoreStrategic or Co-development PartnerPortfolio Manager authorised by Swiss Financial Market Supervisory Authority FINMA. Provides asset management services for Streamable Invest products. Based in Lugano, Switzerland, Via Nassa 3A 6900.
• Quid Ecosystem Group LtdcoreStrategic or Co-development PartnerProvides payment services through its subsidiaries globally. Parent company of Elviria brand. UK entity is FCA registered EMD Agent (reference 903002).
• Ephelia Corporate (ITA) SrlcoreStrategic or Co-development PartnerAuthorised by OAM in Italy to provide Crypto and Token services (PSV97). Digital Currency Provider for Streamable Invest products.
• Quid CHcoreStrategic or Co-development PartnerAuthorised money service business regulated by Financial Services Standards Association Organization (SRO). Provides Swiss payment services.
• Quid NZ LtdregionalStrategic or Co-development PartnerFinancial Service Provider registered with Financial Service Provider Register (FSP) under reference number FSP732651. Provides NZ payment services.
• Quid US LLCregionalStrategic or Co-development PartnerFINCEN/MSB registered business licensed through a local bank. Provides US payment services.
• ElviriacoreStrategic or Co-development PartnerBrand operated by Quid Ecosystem Group Ltd and its subsidiaries for payment services and Ephelia Capital Sagl for Asset Management. Powers Streamable Invest platform.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Aave: Aave is the leading decentralized liquidity/borrowing protocol that lets users supply crypto assets to earn yield and borrow against collateral. It directly overlaps with Streamable Finance's DeFi lending/yield product surface and shares the DeFi institutional-customer thesis.
• Curve Finance: Curve is the dominant stablecoin-focused decentralized exchange with deep stablecoin liquidity and low-slippage swaps. Streamable Finance's stablecoin DeX with weighted/stable math and staked stable LP positions directly competes with Curve for stablecoin traders.
• Maple Finance: Maple is an institutional DeFi lending marketplace with KYC/AML and permissioned pools serving professional investors and crypto treasuries. Closely comparable to Streamable Finance's regulated institutional yield product positioning and KYC requirement.
• Compound: Compound is a foundational DeFi money market protocol for lending and borrowing crypto assets to earn variable supply APY. Overlaps with Streamable Finance's yield-bearing deposit/locked products in the same DeFi lending category.
• Lido Finance: Lido is the largest liquid staking protocol offering staking derivatives. Streamable Finance includes a staking/LP feature on its DeX with staked stablecoins and $STREAM staking, which competes for the same DeFi staker audience.
• Balancer: Balancer operates an automated market maker with weighted and stable pools supporting up to 8 assets per pool, which matches Streamable Finance's Pools feature using "Stable and Weighted Math." Same product design and same DeFi user base.
• Yearn Finance: Yearn is a yield-aggregation protocol that automates DeFi yield strategies across lending, staking, and LP provision. Streamable Invest's locked/flexible yield products with auto-routing into underlying DeFi strategies serve a similar yield-seeking DeFi user.

Emerging players

• TrueFi: TrueFi is a DeFi uncollateralized lending protocol serving institutional borrowers with KYC-verified lenders. Comparable to Streamable Invest's regulated, professional-investor-only yield product positioning.
• Pendle Finance: Pendle is a DeFi protocol that tokenizes and trades yield, allowing users to fix or speculate on future yield streams. Conceptually adjacent to Streamable Finance's real-time yield streaming thesis and competes for yield-focused DeFi users.

Broad incumbents

• MakerDAO: MakerDAO issues the DAI stablecoin and runs the largest DeFi credit/liquidity stack including the RWA-focused vaults that target institutional yield. Overlaps with Streamable Finance's es-Currency stablecoin and regulated yield product strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/streampayfi

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Streamable Finance