We’re proud to announce a partnership with Onyx to bring tokenization tooling for revenue-generating businesses to the Nexus ecosystem. Together, we are redefining business ownership and liquidity through tokenization. Nexus is excited to provide a comprehensive suite of onchain solutions for our more than 2.6 million users, and the communities and businesses in their networks. The Nexus Verifiable AI Lab is in place to augment the benefits of being onchain, with complementary AI solutions.
AI and Tokenization are empowerment technologies. They both represent paradigm shifts in the autonomy an individual or community has to realize their visions for success, reduce dependency on middlemen, and enforce transparent, community-centric procedures relating to their business. In short, these technologies can cut costs, improve efficiency, distribution, user retention and facilitate greater access to financing. These properties are things that large corporations take for granted, but which are often inaccessible to small-to-medium enterprises.
With partners like Onyx, Nexus provides AI solutions that accelerate, improve and synergize with the benefits of tokenization and being onchain.
Benefits of Tokenization for SMEs
1. Tokenized Receivables Financing
SMEs can convert unpaid invoices into tokenized assets that are available to be financed by lenders, including institutional investors, Defi protocols or other Web3 actors. This approach reduces reliance on banks or factoring services and accelerates access to working capital. SME’s typically wait ~2 months to be paid, which incurs admin costs, a risk of loss, and limits growth opportunities. Through tokenization, SMEs can meet growth demands head-on, by financing the invoices to acquire the appropriate resources for order completion, allowing these businesses to take on more jobs as they grow, without needing to wait on invoice settlement.
2. Streamlined finances for Employees & Contractors
Stablecoin-based payroll enables fast, global payments to staff and contractors. These rails reduce operational costs, eliminate FX complexity, and improve access to income for underbanked workers. Workers could be paid at more frequent intervals, and can have the option for integrated yield generation (through DeFi) and automated remittances, for near-zero cost.
3. Tokenized Loyalty & Reward Programs
Loyalty issued as tokens can be made portable, tradable, and interoperable across partners or platforms. This strengthens customer retention and opens new engagement mechanics between related brands. Businesses can identify and target specific customer groups based on their existing token-holdings, allowing them to enter new markets at the speed of the Internet.
4. Receive Crypto for Payment (Stablecoin Invoicing)
SMEs can accept stablecoin payments for invoices or at point-of-sale, with the option to auto-convert to fiat. This reduces transaction fees, speeds up settlement, and improves cash flow predictability, especially for cross-border sales. Overall, receiving stablecoins for payment should return more margin to the business.
5. Tokenized Subscriptions or Access
Businesses can issue access tokens (e.g., NFTs for memberships or digital passes), creating programmable, time-bound offerings. These can unlock recurring revenue models, facilitate greater use of consumer and producer surplus, and enable customers to resell unused access, creating a deeper, more integrated user/customer economy with the original business.
6. Tokenized Proof-of-Provenance for Products
Tokens linked to physical goods can verify authenticity, origin, and ethical sourcing. This enhances trust, enables premium pricing, and supports compliance for sectors like food, fashion, and luxury goods, expanding on the product and customer acquisition avenues available to SMEs.
7. Crowdraising
SMEs can use tokens as a conduit for gathering financial support from a global audience. They open up avenues for businesses to raise extra capital without needing to be a specific size or go through traditional loan procedures from banks. Meme-tokens, NFTs and revenue-sharing tokens are just a few methods for raising capital from an audience, in exchange for various benefits. SMEs have the ability to raise money for the love of their brand, for special-access to their products/services, or for select distribution of cashflow from their business.
There’s an explosion of AI business tooling happening in Web2, but how can AI tooling support and amplify the benefits of SMEs bringing some of their operations onchain? Nexus intends to unify and combine AI and Blockchain tooling benefits for SMEs. Here are just a few examples of integrating AI into the onchain flows of SMEs working with Nexus:
1. Smart Cash Flow Forecasting
AI agents analyze on-chain receivables (tokenized invoices, payments, etc.) to generate real-time cash flow projections, predict payment delays, and suggest financing needs before they arise. This integrates seamlessly with tokenized receivables financing tools, and can be combined with verifiable cryptographic tooling to provide lenders and DeFi protocols with verifiable insights into a specific business, facilitating dynamic rate and loan offerings.
2. Automated Invoice Verification & Matching
AI matches incoming stablecoin payments with open invoices, verifies amounts, and can reconcile records across accounting tools, reducing errors and saving finance teams hours per week. Agents can execute transactions autonomously in response to receivables, making payments automatically while ensuring budget for services critical to operation.
3. Dynamic Lending Risk Profiling
Verifiable AI models can assess an SME’s financial activity (e.g., payment reliability, invoice flow, payroll patterns) to generate real-time credit scores. This enables fairer, faster access to tokenized credit or factoring markets, even for thin-file businesses.
4. Intelligent Loyalty Analytics
AI can track customer behavior across tokenized loyalty programs, segment them, and suggest reward adjustments or upsell campaigns. Can A/B test NFT-based offers, recommend bundles, or auto-adjust token emission based on customer LTV.
6. Agent-Driven Access Control & Membership Management
Autonomous agents manage token-gated access (e.g., subscription NFTs), revoke expired credentials, alert users for renewal, or dynamically upgrade memberships based on usage. These efforts can be highly personalized to the user and their behavior and removes human effort in maintaining access tiers.
7. Regulatory & Tax Reporting Automation
AI agents compile on-chain financial events (e.g., payments, rewards, financing) into ready-made reports for VAT, GST, or crypto tax compliance, which bridges blockchain-native activity with legacy reporting formats.
8. Cross-Channel Customer Agent
A conversational AI agent (connected to on-chain customer actions) can help SMEs provide personalized services to their customers to maximize consumer and product surpluses.
Bringing SME Operations Onchain
By bringing SME operations onchain, Nexus provides a structured, machine-readable data layer, ideal for AI agents to operate on, improving on the benefits already provided by tokenization. The result is:
Smarter financing and resource allocation
More engaging, data-rich customer experiences
Reduced fraud and friction
Faster value realization from tokenization
Onyx Positioning
Onyx is a platform for tokenizing revenue-generating businesses. We use tokenization to drive liquidity and provide alternative financing options for SMEs.
Onyx does this through a novel mechanism where tokenholders benefit from cash flows and have rights over a treasury multisig. We believe this gives tokens more value and weight. This is the antithesis to most launchpads today where tokens are launched around a narrative.
Today, Onyx empowers SMEs with a liquid token that tracks revenue generated by their business. In the future, Onyx will bring:
Automated buybacks from the treasury
M&A and 'takeovers' via 51% token ownership
Credit lines backed by the SME's own token as collateral
The future of Onyx is providing a model of token-backed financing for businesses.
Nexus Positioning
Nexus has always been on a mission to empower and protect individuals, communities and businesses across the world.
Intelligent and verifiable computation are empowerment technologies. Traditionally, new technologies have best served those with the resources to use them, extending inequality gaps and reaching those most in need last. We want to flip this trend and provide solutions that combine the best from these nascent technologies to the entities that need them now.
Large enterprises already have the resources to maximize customer engagement, update offerings based on the latest data, and raise/acquire capital to scale. Now, SMEs will have the same resource accessibility by working with Nexus and partners like Onyx to adopt the latest digital innovation technologies: Web3 and AI.
