Global Credit Infrastructure

Tokenizing
Credit Limits

We transform traditional bank credit limits into transferable, programmable digital assets. Convert future financial commitments into today's opportunities.

$1T+
Annual Market Size
24/7
Instant Processing
99.9%
System Reliability

Problems We Solve

We're building Turkey's first multi-bank integrated, interoperable credit infrastructure

For Banks

  • Limited visibility into credit utilization rates
  • Revenue loss to fintech competitors
  • Legacy infrastructure constraining innovation
  • Lack of cross-institutional interoperability

For Enterprise Customers

  • Inflexible payment terms in supply chains
  • Inability to dynamically allocate working capital
  • Manual, paper-based processes
  • Difficulty using credit in complex B2B workflows

For Individual Consumers

  • Credit structures tied to single banks
  • Fragmented multiple payment platforms
  • Locked, non-transferable credit limits
  • Lack of flexibility in payment terms

How DIOU Works

1

Credit Allocation

Banks assign credit limits to customers after standard internal assessment

2

Tokenization

Customers choose when, how much, and with what maturity to tokenize

3

Smart Transfer

Bank-guaranteed, fully transferable tokens for B2B/B2C/C2C payments

4

Auto Settlement

At maturity, banks automatically transfer token value to the holder's account

Application Scenarios

Transforming how credit flows through the economy

B2B Supply Chain Finance

Companies tokenize credit limits to pay suppliers with flexible maturities. Suppliers can transfer tokens along their own supply chains or discount them for instant cash.

Consumer Payments

Consumers use pre-approved bank credit at any merchant with zero friction, flexible terms, and transferable payment obligations - a superior alternative to existing BNPL platforms.

Real Estate Rent Payments

Tenants pay full annual rent upfront using tokenized credit with staggered maturities. Landlords receive bank-guaranteed payments and can discount tokens for instant liquidity.

Let's Build the Future of Finance Together

We're developing Turkey's first multi-bank interoperable credit tokenization platform. Contact us to learn about partnership opportunities.

Company

DIOU Technology Inc.

Get in Touch

Contact us directly for partnership opportunities and detailed information.

[email protected]