Who they are
Chilean merchants who run most of their sales through credit and debit cards. The problem? Card networks and acquirers pay out on T+2 (two business days later), which creates a recurring two-day cash-flow gap that hits working capital hard.Why they qualify as borrowers
Aion-Fi advances their future card receivables,transactions that are already authorized and pending settlement,and turns them into same-day liquidity. The best part? These advances repay themselves automatically from the merchant’s next T+2 settlements. It’s self-liquidating, low-risk, and tied directly to real payment flows that are already verified.Aion-Fi is operated by conomy_hq, the PSP connected to Visa/Mastercard.
This means the protocol has direct visibility into every merchant transaction and full control over settlement flows. The result? Precise advance sizing, predictable repayment, real-time monitoring, and automated risk reduction.
This means the protocol has direct visibility into every merchant transaction and full control over settlement flows. The result? Precise advance sizing, predictable repayment, real-time monitoring, and automated risk reduction.
What makes them ideal borrowers?
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Stable sales
Daily card volume is consistent and measurable across months. -
Structured settlement cycle (T+2)
Predictable cash-in allows predictable cash-out for advance repayment. -
Low fraud exposure
Funds are released only after authorization + capture, and repaid from guaranteed settlements. -
High frequency of operations
Merchants process transactions every day, ensuring repayment velocity.
Why borrowers need Aion-Fi
Sure, traditional players offer early payouts. But they charge ~4.00% total for a simple 2-day acceleration. That’s expensive. Aion-Fi delivers same or faster liquidity at 3.20% total,with transparent pricing and automated settlement-linked repayment. No hidden fees, no surprises.Incumbent same-day payouts in Chile average ≈4.00% total, making advances extremely expensive for small and medium businesses.
Aion-Fi cost structure (per 100 CLP in sales)
Here’s the breakdown:| Cost Component | Aion-Fi | Traditional Competitors |
|---|---|---|
| Total cost | 3.20% | 4.00% |
| Processing (all-in) | 2.52% | , |
| Immediate payout Protocol | 0.68% per 2-business-day cycle | , |
Advance caps ensure systemic safety
Daily advance amounts stay ≤ the merchant’s average daily sales over the past 90 days, keeping advances self-liquidating. Plus, no single borrower can exceed 5% of the total pool,this protects LPs and spreads risk across many merchants.