Manteia

Manteia: The Native Bank for the AI Era

Elevator Pitch

**Revenue is the new Collateral**. Manteia is the first under-collateralized lending protocol powered by Zero-Knowledge proofs. It allows digital businesses (SaaS, AI startups, Solopreneurs) to convert their monthly recurring revenue (MRR) into instant, non-dilutive capital without giving up equity or doxxing their private customer data.


The Problem: The $5 Trillion Funding Gap

Digital businesses run on cash flow, but traditional and decentralized finance run on assets.
1.  **Banks** require physical collateral (factories, real estate) which digital natives don't own.
2.  **VCs** demand 20-30% equity for seed capital, which is expensive for profitable bootstrappers.
3.  **Fintech Lenders** (like Pipe) require full read-access to sensitive customer databases, creating a massive privacy risk.
4.  **DeFi** requires 150% over-collateralization with crypto assets, defeating the purpose of borrowing for growth.


The Solution: Truth-Based Financing

Manteia introduces a new primitive for RWA (Real World Assets): **The FlowNFT**.
Instead of collateralizing static assets, we collateralize future cash flow streams verified by math, not manual auditors.

Key Pillars   **Privacy-First (ZK):** Verify *that* a business is profitable (e.g., "MRR > $50k") without revealing *who* the customers are.

-   **Performance-Based:** Loan terms (LTV, APR) are dynamic based on real-time API data from Stripe/Shopify.
-   **Enforceable:** Repayment is automated via "Smart Splits" at the source of revenue.


Technical Architecture

### 1. The "Blind Oracle" (Zero-Knowledge Data Ingestion)
Unlike traditional oracles that broadcast data publicly, Manteia uses a client-side ZK-prover (Circom/SnarkJS).
- The user connects their Stripe API key locally in their browser.
- The client fetches 6 months of invoice history.
- A **ZK-Circuit** generates a proof attesting to the monthly revenue and churn rate.
- **Result:** The blockchain sees a "Verified Proof" and a "Risk Score", but zero raw data.

### 2. The FlowNFT (Asset Tokenization on Mantle L2)
Upon verification of the proof, the Manteia Factory contract Mints a **FlowNFT**.
- This ERC-721 token represents the rights to the future cash flow.
- It contains metadata: `Principal`, `InterestRate`, `MaturityDate`, and `RiskScore`.
- The NFT is automatically purchased by the **Liquidity Vault**, funding the borrower.

### 3. Smart Splits (Repayment)- To ensure solvency, borrowers use a split contract address (fork of 0xSplits) as their revenue destination.
- **80%** of funds route to the Founder's wallet.
- **20%** of funds route automatically to the Manteia Vault until the loan is satisfied.

👥 User Flows

### For Borrowers (Founders)1.  **Connect**: Link Wallet and Stripe API (Read-Only).
2.  **Verify**: Generate ZK Proof of Revenue (avg. 10s generation time).
3.  **Mint**: Submit transaction to mint FlowNFT.
4.  **Receive**: USDC arrives in wallet instantly upon NFT sale to the Vault.

### For Lenders (Investors)1.  **Despoit**: Supply USDC into the Manteia Liquidity Vault.
2.  **Earn**: Receive yield generated from:
    - **Real Revenue Interest**: 10-15% APY paid by profitable SaaS companies.
    - **Native Yield**: Idle funds can be held in $USDY (Ondo) for base yield.
3.  **Withdraw**: Burn LP tokens to exit positions.


Value Proposition

### For Founders (Borrowers)*   **Non-Dilutive**: Keep 100% of your equity.
*   **Private**: No competitors/banks seeing your customer list.
*   **Instant**: Algorithmically underwritten in seconds, not weeks.

### For Investors (Lenders)*   **Real Yield**: Returns come from commercial activity, not token inflation.
*   **Visibility**: Transparent on-chain risk scoring derived from immutable data.
*   **Diversification**: Exposure to the high-growth AI/SaaS sector.


 Vision
We are betting on the rise of the **Solopreneur Unicorn** — billion-dollar companies run by small teams leveraging AI. Manteia provides the native financial infrastructure for this new economy, bridging the gap between on-chain liquidity and off-chain performance.