Income Share Agreements · Monad Testnet
Fund a person’s future, not just a project.
HumanYield turns a personal goal — a course, a certification, a career move, a creative project — into a funding agreement anyone can back. Instead of fixed repayments, the recipient returns an agreed share of their reported income, and the contract splits every settlement across funders automatically.
No account needed to look around — use a demo identity from the header. On-chain actions need a wallet on Monad Testnet.
Worked example
A 5,000 tUSD raise at a 7% income share
- Funding goal
- 5,000 tUSD
- Income share
- 7%
- Term
- 36 months
- Repayment cap
- 12,000 tUSD
- Minimum income
- 2,000 tUSD / month
What gets settled
- Earns 4,000 / monthpays 280
- Earns 6,000 / monthpays 420
- Earns 0 this monthpays 0
- Once 12,000 is repaidnothing further is owed
The percentage, the floor, the term and the cap are enforced by the agreement contract, not by this interface.
How it works
Three steps, each one a transaction on Monad Testnet.
- 01
Someone publishes an agreement
A person states what they need funding for, how much, what share of their income they will return, for how long, and the hard ceiling on total repayment. The terms are deployed as their own contract on Monad.
- 02
Funders take a position
Anyone can contribute. Each contribution is recorded on-chain as a proportional claim on every future settlement. Fund 20% of the raise, receive 20% of everything repaid.
- 03
Income is reported and settled
The recipient reports monthly income. The contract applies the agreed percentage, the minimum income floor, and the remaining cap, then splits the settlement across funders pro rata.
Why an income share instead of a loan
The repayment obligation moves with what the person actually earns.
| Model | What gets repaid | Where it breaks |
|---|---|---|
| Crowdfunding | None — usually a reward or nothing | Backers carry all the risk with no upside |
| Fixed loan | Same amount every month regardless of income | Crushing when income drops to zero |
| HumanYield | A set percentage of reported income | Nothing owed in a month with no qualifying income |
Why Monad
An ISA is not a one-off transaction. It is a relationship with a settlement event every month, for years, split across every funder.
Settlement is recurring, not rare
One agreement over 36 months is at least 36 income attestations, 36 settlements and a claim per funder per settlement. At scale that is a constant stream of small transactions — exactly the workload Monad’s throughput and sub-second blocks are built for, and exactly what makes this uneconomic elsewhere.
Low friction changes the product
When a settlement costs fractions of a cent, monthly stops being the natural unit. Income can be reported and split weekly, or per paycheque, without the fees eating the distribution. The roadmap here is continuous settlement, and that only works on a chain where transactions are cheap enough to be routine.
The demo feels like an app, not a chain
Every action in HumanYield — invest, report income, settle, claim — is a real transaction, and each one confirms in about a second. The interface shows the elapsed time and a Monad Explorer link for every one of them, so you can check the work.
Open agreements
Read live from the ISAFactory contract on Monad Testnet. These are labelled demo agreements, not real investment opportunities.
What this prototype does and does not do
Where the hard problem sits, stated plainly.
Enforced on-chain
- Income share percentage applied to every attested figure
- Minimum income floor below which nothing is owed
- Hard repayment cap — the final settlement is clipped to it
- Term deadline after which no new income can be reported
- Pro-rata split of every settlement across funders
- Overfunding rejected; refunds available if a raise is cancelled
Not solved here
- A blockchain cannot see a payslip. Income in this prototype is self-reported and attested by a demo verifier contract.
- Nothing forces a recipient to report honestly, or at all. Real deployments need payroll, open-banking or oracle attestation, plus legal recourse.
- The verifier sits behind an interface (
IIncomeVerifier) so it can be replaced without touching agreement logic.