SILQFi and Helix Pioneer Shariah-Compliant Tokenized Invoice Financing to Bridge DeFi and Embedded Finance
RIYADH, Saudi Arabia, Aug. 23, 2025 (GLOBE NEWSWIRE) -- SILQFi, the financial arm of SILQ Group, has partnered with Helix, a leading RWA tokenization protocol, to launch a first-of-its-kind shariah-compliant tokenized invoice financing initiative in the Gulf. This collaboration combines Helix's on-chain infrastructure with SILQFi's regional expertise to channel stablecoin capital into real-world financing for small businesses, advancing financial inclusion across the region.
The global SMEs financing gap stands at $5 trillion, with the GCC alone accounting for over $250 billion. Despite making up nearly 90% of all businesses, SMEs receive just 9% of traditional bank lending. This mismatch continues to limit their growth and GDP contribution.
By bridging decentralized finance (DeFi) and embedded finance, this initiative offers a powerful alternative, unlocking new sources of capital through tokenized assets and delivering it directly into business workflows. By linking on-chain and off-chain markets, it combines the reach and efficiency of blockchain with the real-world utility of embedded credit, creating a new model to close the SMEs financing gap at scale.
Market momentum is clear. By August 2025, tokenized RWAs (excluding stablecoins) had surpassed $25 billion, while stablecoins, the backbone of on-chain liquidity, reached $267 billion. Looking ahead, the tokenized RWA market is projected to reach $30 trillion by 2034, driven by demand for transparency, liquidity, and access that on-chain infrastructure can provide.
Helix has been actively shaping this global dialogue. Together with Bank Kenanga, one of Malaysia's largest independent investment banks, Saison Capital, and Satori Research, Helix recently co-authored a landmark whitepaper projecting that tokenization of products such as bonds, sukuk, and unit trusts could unlock a US$43 billion opportunity in Malaysia's capital markets by 2030.
The SILQFi–Helix collaboration brings this momentum into practice with a tangible use case. Stablecoin capital flows through Helix's on-chain protocol and is deployed off-chain via SILQFi's infrastructure, embedding liquidity directly into merchant workflows across the region. The model delivers transparency, decentralization, and speed while maintaining ...
