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Otter — Decentralized Capital Markets Layer

What is Otter?​

Otter is Treasurenet’s native capital formation engine—
a decentralized protocol that lets users invest directly in real-world productivity.

It replaces banks and middlemen with on-chain reputation, allowing producers to raise capital and contributors to earn yield—all based on verified work.

How It Works​

1. Producers Raise Capital​

Producers with a verifiable Rep Score can initiate fundraising campaigns:

  • Debt Streams: Fixed repayments over 12 months

  • Cashflow Streams: Sell a share of future REP earnings

  • Hybrid Instruments (coming soon): Equity-style structures with upside exposure. Each fundraising stream is tied to their on-chain production performance.

2. Contributors Fund via TCash​

Holders of TCash can:

  • Browse available streams

  • Assess Rep Score and production metrics

  • Choose “rafts” (tranches of a stream) to invest into

No off-chain approvals, no intermediaries.
Only verifiable work, reputation, and trustless capital flows.

3. Repayment or Royalties​

Once a raft is filled:

  • Producer withdraws TCash to fund their project

  • Contributor receives monthly repayments or revenue share

  • All payments are automated and auditable