# For Borrowers

1. **Onboarding:** Complete KYB (Know Your Business) verification via the PayVia Dashboard.
2. **Asset Tokenization:** Upload invoice data or payment stream metadata. The protocol mints a corresponding NFT representing the claim on future revenue.
3. **Underwriting:** The decentralized credit oracle (or trusted auditor) assigns a risk score and establishes the collateral value.
4. **Borrowing:** Deposit the NFT into the relevant Vault and draw stablecoins (USDC) instantly.
5. **Repayment:** Upon invoice settlement, funds are automatically routed to the Vault to repay the loan plus interest. The NFT is burned.


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